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Chapter 12: The Seven-Hundred-Thousand-Dollar Secret

I couldn't speak.

Seven hundred thousand dollars.

That was more than three times the amount of the fraudulent home equity loan.

My mother was crying so hard that I could barely understand her.

"Mom, what do you mean he took seven hundred thousand dollars?""

"Please, Avery. I can't explain this over the phone.""

"Then come to Margaret's office.""

She hesitated.

"Your father can't know.""

I looked at Margaret.

She nodded and motioned for me to continue.

"Tomorrow morning. Nine o'clock.""

"All right.""

Before hanging up, Mom said something else.

"Bring Ivy.""

I frowned.

"Why?""

"Because she deserves to know what happened too.""

The following morning, Ivy sat beside me in Margaret's conference room.

She looked nervous.

Tessa had driven her over and was waiting downstairs.

At 9:12, Mom arrived.

She wore a gray coat and dark sunglasses.

Her hands were shaking.

She looked at me, then at Margaret.

"Is this being recorded?""

Margaret answered carefully.

"We can take a written statement. Any recording would need to be handled according to the applicable consent rules.""

Mom nodded.

She placed a large handbag on the table.

Then she removed a thick stack of documents.

"I found these in Richard's office.""

I looked down.

The first page was a bank statement.

The account belonged to June Bennett's family trust.

I scanned the transactions.

There were withdrawals.

Twenty thousand dollars.

Fifty thousand.

Seventy-five thousand.

Then a larger transfer.

$185,000.

The recipient was an investment company.

Northbridge Property Holdings.

Derek leaned forward.

"That's my company.""

Mom looked at him.

"Your father created it using your name.""

Derek's face changed.

"What?""

"He told me it would protect the family assets.""

Derek shook his head.

"He told me I owned it.""

Mom removed another document.

"This is the original registration.""

I read the page.

The company had been established four years earlier.

Its listed organizer was Richard Bennett.

Not Derek.

My brother leaned back.

"He lied to me too.""

Mom nodded.

"Your father used the company to move money from June's trust. He told me the withdrawals were temporary.""

I felt sick.

"How much was taken?""

She looked at Margaret.

"Six hundred and eighty-four thousand dollars.""

Margaret began reviewing the statements.

"Are these original bank records?""

"Yes. I took them from his office.""

"How did you get them?""

Mom swallowed.

"He left his filing cabinet open. I was looking for the house insurance documents, and I found the account records.""

I looked at her.

"Why now?""

She took off her sunglasses.

Her eyes were swollen.

"Because yesterday, Richard told me he planned to leave.""

I stared.

"Leave where?""

"He said he was moving money into another account. He wanted to sell the house, pay off his personal debts, and disappear before anyone could stop him.""

Margaret immediately picked up the phone.

She contacted the investigator handling the case and explained what Mom had brought.

Then she reviewed a page near the bottom of the stack.

"This account belongs to a bank in another state.""

Mom nodded.

"Richard opened it under a different business name.""

"Do you know where the money is now?""

"No.""

I looked at her.

"Did you know about the fake mortgage payments?""

She closed her eyes.

"Yes.""

My chest tightened.

"All four years?""

She nodded.

"Your father told me you were paying the actual mortgage.""

"Did you ever check?""

"No.""

"Did you ever wonder why the balance never went down?""

Mom began crying again.

"Please, Avery.""

I leaned forward.

"Every month, I transferred $1,845. I skipped vacations. I worked weekends. I delayed buying my own car because I thought I was helping you.""

She lowered her head.

"I know.""

"No, you don't.""

My voice cracked.

"You stood in the driveway and asked me to keep paying after you kicked me out.""

Mom covered her face.

"I was scared.""

"So was I.""

The room went silent.

Then Ivy spoke.

"Mom, why didn't you tell Avery about Grandma?""

Mom turned toward her.

"What do you mean?""

"Why did you let her believe Grandma died on March fourteenth?""

Mom stared at her youngest daughter.

For several seconds, she said nothing.

Then she removed a folded piece of paper from her handbag.

It was a hospital visitor authorization form.

The date was March 23.

My name appeared under the section marked PERSON AUTHORIZED TO RECEIVE MEDICAL INFORMATION.

But the box beside it had been crossed out.

The handwriting was my father's.

I felt my stomach drop.

"Why?""

Mom wiped her cheeks.

"Your father told the hospital you had refused to visit.""

I stared at her.

"That's a lie.""

"I know.""

"You knew?""

She nodded.

I couldn't believe what I was hearing.

"Why didn't you call me yourself?""

Mom began shaking.

"Because your father told me that if you came, Grandma would change everything. He said she would transfer the trust again and expose what he had done.""

"So you let me stay away?""

She looked at the table.

"Yes.""

I stood up.

For six years, I had wondered whether Grandma had been disappointed in me.

I had carried that guilt into every birthday, every holiday, every quiet evening when I remembered her empty chair.

My mother had known I wanted to see her.

And she had helped keep us apart.

"Don't tell me you were protecting me," I whispered.

She looked up.

"I wasn't.""

For the first time, I believed her.

Margaret gathered the documents.

"Linda, I need to ask you something important. Did you personally see June sign any property transfer documents?""

"No.""

"Did you see Avery sign them?""

"No.""

"Did you know Peter had notarized a document claiming Avery appeared before him?""

Mom nodded.

"Richard told me Peter would handle it.""

Margaret wrote that down.

"Did you ever receive money from the trust?""

Mom hesitated.

"Some.""

"How much?""

"About forty-two thousand dollars.""

I stared at her.

"What?""

She looked at me helplessly.

"Your father said it was for household expenses.""

"Did you know the money belonged to Grandma's trust?""

"Not at first.""

"And when you found out?""

She began crying again.

"I was already involved.""

I looked away.

The conference room door opened.

A man in a dark suit stepped inside.

He introduced himself as the investigator assigned to the financial fraud complaint.

He had a folder in his hand.

"Ms. Bennett, we have preliminary findings from the bank.""

Margaret stood.

"What have you found?""

The investigator placed a document on the table.

"The mortgage account receiving Ms. Bennett's monthly payments was not connected to any active mortgage lender. It was controlled by a company registered to Richard Bennett.""

My heart pounded.

He continued.

"We've also identified several transactions connecting that account to Northbridge Property Holdings.""

Derek looked up.

"Can you prove the money went to my account?""

"We can establish that transfers occurred. We're still examining who controlled the accounts and who authorized them.""

The investigator turned toward Mom.

"We'll need your cooperation and a full statement.""

She nodded.

Then he placed another document on the table.

It was a notice concerning the disputed property title.

"The county recorder has accepted the fraud challenge for formal examination. The attempted sale remains suspended.""

I exhaled.

For the first time, the house was no longer slipping away while everyone argued over who owned it.

But Margaret wasn't finished.

She opened the original trust amendment.

"There's another issue. Richard's actions may affect more than the property. The trust contains instructions concerning unauthorized withdrawals.""

She turned to the relevant paragraph.

I read it.

If any beneficiary or family representative attempted to fraudulently obtain control over the property or trust funds, the trustee was required to suspend their access and investigate all transfers.

Then I noticed another clause.

The trust provided that any person who knowingly assisted in concealing unauthorized withdrawals could be held responsible for restitution, subject to the applicable legal findings.

I looked at Mom.

She understood.

"I know what that means," she whispered.

Before anyone could respond, my phone rang.

Dad.

I put it on speaker.

"Richard," Margaret said calmly.

"This is Margaret Ellis. We need to discuss your daughter's inheritance and the disputed financial transactions.""

Dad laughed.

"Margaret, stay out of my family's business.""

"Your family's business involves an estate and financial accounts.""

"That money belongs to my children.""

I leaned forward.

"No, Dad. It belonged to Grandma.""

There was a pause.

Then he spoke directly to me.

"Avery, you've made a terrible mistake.""

"I found the original will.""

Silence.

"I found the trust records too," I continued.

"And the recordings.""

His voice changed.

"What recordings?""

"The ones where you told Grandma I would never find out.""

For several seconds, nobody spoke.

Then Dad laughed.

A cold, unfamiliar laugh.

"You think you've won?""

Margaret interrupted.

"Richard, you should direct any further communications through counsel.""

He ignored her.

"Avery, there's something your grandmother never told you.""

I felt my stomach tighten.

"What?""

"Your grandfather didn't build that fortune alone. He had a business partner. And that partner never received what he was owed.""

I frowned.

"What does that have to do with me?""

Dad lowered his voice.

"Everything.""

Then he said the words that made Margaret immediately reach for the original trust documents.

"The seven hundred thousand dollars wasn't stolen from June's personal account. It was transferred from a trust that legally belongs to someone else.""

I stared at the phone.

"Who?""

Dad paused.

Then he answered:

"Your grandfather's other daughter.""

My blood ran cold.

Grandma had never told me she had a daughter besides my father.

And according to my father's next words, that woman was still alive.

"Her name is Rebecca Bennett," he said.

May you like

"And she's been looking for that money for twenty years.""

*End of Chapter 12.*

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