Chapter 8: My Sister-in-Law Had Been Keeping Her Own Secret

Dawn arrived at Frank's house at 6:40 that evening.
She looked exhausted.
Her hair was tied back, her eyes were swollen, and she carried a large brown handbag.
Erin opened the door.
"Dawn.""
Dawn stopped on the porch.
"Can I come in?""
Erin stepped aside.
Frank was sitting at the dining table with Daniel on speakerphone.
The bank statements were spread across the wooden surface.
Dawn looked at them and immediately lowered her eyes.
"I suppose you've seen it.""
Frank nodded.
"The twenty-two thousand dollars.""
Dawn sat down.
"I can explain.""
Erin folded her arms.
"Then please do.""
Dawn took a long breath.
"Last year, Wade told me the business was going to collapse unless we made one final payment. He said if we lost the warehouse, we'd lose everything.""
Frank looked at her.
"And?""
"He borrowed money from several people. One of them threatened to take legal action. Wade said we needed to pay him immediately.""
"With my money?"" Frank asked.
Dawn's eyes filled.
"Yes.""
Erin pulled out the bank statement.
"Why did Wade transfer it to your account?""
"Because the lender didn't want to receive money from Wade directly. He said it would create problems with the business records.""
Daniel's voice came through the speaker.
"Ms. Dawn, did you transfer that money to the lender?""
Dawn nodded.
"Yes.""
"Do you have proof?""
"I kept the receipts.""
She opened her handbag and removed a folder.
Inside were bank confirmations, handwritten notes, and several messages between her and Wade.
Erin took the folder.
The first transfer was dated September 14.
The second was September 21.
The third was October 3.
Together, they totaled $22,000.
But one message made Erin stop.
Use the money from Frank's account. Once the house loan is approved, I'll replace everything. Don't tell anyone until it's done.
Erin read it again.
Then she turned the phone toward Frank.
He stared at the message.
"Did you know where the money came from?"" he asked Dawn.
"Yes.""
"Did you know it was supposed to be for both my children?""
Dawn nodded.
"Yes.""
Frank looked down.
"Then why did you help?""
Dawn began crying.
"Because I was scared. Wade kept telling me we'd lose our home, our cars, everything. He said he could fix it if I just helped him get through another month.""
Erin shook her head.
"You watched him tell Dad I had stopped visiting.""
Dawn covered her mouth.
"You watched him take my money.""
"I know.""
"And you kept quiet.""
"I know.""
Erin turned away.
Dawn's confession explained the twenty-two thousand dollars.
But it didn't explain why she had allowed Wade to manipulate two people who had trusted him.
Frank spoke first.
"Did Wade tell you to lie to me?""
Dawn nodded.
"Yes.""
"What exactly did he say?""
"He told me to say Erin had become too busy. That she was sending money because she felt guilty. He said if you asked about her, I should tell you she was planning to visit when work settled down.""
Frank's eyes grew wet.
"Did you know I waited for her?""
Dawn nodded.
"I saw you sitting by the window.""
Frank looked away.
"Then you knew.""
Dawn couldn't speak.
Erin returned to the table.
"What about the money Wade took from the account? The other sixty-five thousand?""
Dawn opened another section of the folder.
"He used most of it to pay his debts. But some went toward a second business venture.""
Frank frowned.
"Another business?""
Dawn nodded.
"He was trying to buy into a small property renovation company. He believed it would make enough money to repay everyone.""
Erin stared.
"With Dad's savings?""
Dawn nodded again.
"Yes.""
Daniel interrupted.
"Did your father-in-law authorize that investment?""
"No.""
"Did you?""
"No.""
"Did you receive any ownership interest?""
Dawn hesitated.
"Yes.""
Erin looked at her.
"What?""
Dawn's voice dropped.
"Wade put my name on part of the company.""
Frank leaned back.
"So you benefited too.""
Dawn nodded.
"I did.""
For the first time, Erin understood why Dawn had stayed quiet.
She hadn't merely been protecting her husband.
She had been protecting herself.
The room became painfully silent.
Then Dawn reached into the folder and removed a printed email.
"I brought this because I don't want to hide anything else.""
She placed it in front of Daniel.
It was an email from the renovation company's accountant.
The subject line read:
Confirmation of Initial Investment.
The message listed a payment of $40,000.
The source was described as a private family contribution.
Erin looked at the date.
It was the same day Wade had asked her for an additional $900.
She opened her own banking records.
The transfer had been made at 11:18 a.m.
At 2:43 p.m., $40,000 had left Frank's account and entered the renovation company's business account.
Erin looked at the two transactions.
"That's my money and Dad's money.""
Dawn nodded.
"I think so.""
Frank stared at the paperwork.
"How much of that investment is still there?""
Dawn shook her head.
"I don't know.""
Daniel spoke carefully.
"We need the company's financial records. We should also notify the bank that these transactions are disputed and ask about any available recovery measures. We cannot assume the money can be retrieved, but the records may help establish where it went.""
Frank nodded.
"Do it.""
Dawn wiped her face.
"There is something else.""
Erin looked at her.
"Another thing?""
Dawn reached into the folder.
This time she pulled out a small USB drive.
"Wade asked me to delete these files from his laptop.""
"What files?"" Frank asked.
"Messages and documents about the house.""
Erin stared at the drive.
"Did you look at them?""
"Some.""
"What did you find?""
Dawn looked directly at Frank.
"Wade wasn't just planning to refinance your house.""
She paused.
"He had been discussing selling it.""
Frank's expression went blank.
"To whom?""
"I don't know the buyer's full name. But I saw an email about a property purchase agreement.""
Erin's hands went cold.
"Was Dad's signature on it?""
Dawn nodded.
"Yes.""
Frank stood.
"Show me.""
Dawn opened her laptop and connected the USB drive.
There were dozens of files.
Some were ordinary business documents.
Others were emails.
Dawn opened a folder dated October.
A PDF appeared.
It was a draft property purchase agreement.
The property address was Frank's home.
The proposed sale price was $385,000.
Frank slowly lowered himself into his chair.
"This is my house.""
Erin put a hand on his shoulder.
"I know, Dad.""
He stared at the screen.
"I never agreed to sell it.""
Dawn opened another file.
It contained an email exchange between Wade and an unknown person.
One sentence was highlighted.
The old man won't object once the paperwork is complete. My name is already on the financial authorization.
Daniel asked them not to alter or delete anything and instructed them to preserve the original files.
Then he noticed another document.
It was a draft letter addressed to a property solicitor.
The letter requested an appointment to complete the sale.
The scheduled date was December 4.
The same date written on the envelope.
Frank looked at the screen.
"Who is buying my home?""
Dawn scrolled down.
A name appeared at the bottom of the email chain.
*Richard Coleman.*
Erin recognized it.
She had seen the name before.
On a business card Wade had once left beside the kitchen telephone.
Richard Coleman was the man who had introduced Wade to the renovation company.
Daniel asked Dawn to send him the files.
Then he looked at Frank.
"We need to act quickly. I recommend an immediate consultation with a property solicitor and a formal notification to the relevant parties that you dispute any purported authority to sell.""
Frank nodded.
But Erin was staring at another message.
It was dated October 30.
Wade had written:
Once the sale goes through, I'll give Dad enough to move somewhere smaller. Erin will get her share later. She doesn't need to know until everything is finished.
Erin slowly sat down.
Her brother hadn't merely been trying to steal money.
He had planned to sell the home where their mother had died, where they had grown up, where their father had spent thirty-two years building a life.
And he had planned to tell them afterward.
Frank closed the laptop.
For several seconds, he said nothing.
Then he looked at Dawn.
"Does Wade know you kept these files?""
Dawn shook her head.
"No.""
Frank looked toward the front door.
"Then we have to make sure he doesn't destroy anything else.""
At that exact moment, Erin's phone rang.
Wade.
She answered without speaking.
His voice came through immediately.
"I know Dawn came to the house.""
Erin looked at the USB drive.
"What do you want?""
"I want my documents back.""
"They're not yours to hide.""
Wade laughed.
"You have no idea what you're doing.""
Erin's voice remained steady.
"I know you're trying to sell Dad's house.""
Silence.
Then Wade said:
"That contract has already been signed.""
Erin stopped breathing.
Frank looked up.
Wade continued.
May you like
"And the buyer is coming tomorrow to inspect the property.""
The call ended.