Part 2: The Debt Behind the Theft
Selene spent the rest of the night on the pull-out couch at Sarah’s place. Sarah was her oldest friend and lived in a small but comfortable apartment near the university district. When Sarah opened the door and saw Selene’s soaked clothes and hollow expression, she immediately handed her a warm towel, an oversized hoodie, and a bowl of soup without asking a single invasive question.
By first light, once the first wave of shock had finally faded, Selene told her everything: the missing SUV, the forged papers, the cruel words Owen had thrown at her, and the large sum of money they claimed they had received.
Sarah, who worked as an auditor for a logistics company, listened carefully with a grim look on her face.
“Selene, this is not a family disagreement,” she said firmly. “What you are describing sounds like a calculated case of fraud.“
“Owen swears he only signed what was absolutely necessary for the sale,” Selene explained.
“But did you ever sign anything yourself?” Sarah asked.
“No, I never touched a single paper related to the sale,” Selene replied.
“Then we need to find out exactly where that paperwork ended up,” Sarah said.
Sarah opened her laptop and started contacting people in her professional network, including people connected to regional vehicle registries and local legal offices. Selene remained at the kitchen table, both hands wrapped around a mug of coffee that had long gone cold, listening to the muted rhythm of typing and calm, professional phone calls.
By mid-morning, Sarah ended a call and released a heavy sigh.
“Your mother-in-law was not having any medical emergencies, Selene,” she said softly.
A cold knot tightened inside Selene’s stomach.
“Are you sure?” she asked.
“There are no records of surgery or hospital stays for her anywhere in the system,” Sarah explained. “What I did find, however, is a massive debt linked to a high-interest lending firm, and she used her apartment in the suburbs as collateral to secure the loan.“
“How much did she borrow?” Selene asked.
“Seven hundred thousand dollars,” Sarah revealed. “And Owen is listed as the primary guarantor on the entire contract.“
Selene covered her mouth as a sickening wave of realization struck her all at once. She suddenly remembered the hushed phone calls Owen had taken in the bathroom, the secretive late-night trips to his mother’s house, the way he returned home looking completely drained, and Phoebe’s endless talk about “sacrificing for the family.“
“They sold my car to pay off a portion of her mounting debts,” Selene realized.
“That is exactly what happened,” Sarah confirmed. “And looking at these bank statements, the money did not even cover the interest, as she has been spending recklessly on luxury department store items and a vacation to the coast.“
That afternoon, Selene went back to the apartment to gather the rest of her personal belongings, and she insisted Sarah come with her for safety. Owen was not home, but a note had been placed clearly on the dining table:
“It is not in your best interest to start messing with my mother, so stop exaggerating your situation.“
Selene forced open her desk and discovered that every original document connected to the vehicle, her personal identification, and her proof of residency had been removed from the drawer.
“They took everything,” she murmured, feeling the full weight of the violation settle over her.
Sarah photographed the empty drawer and the note, then urged Selene to save every message from Owen and Phoebe as evidence. As they moved toward the door, Selene’s phone rang. The name on the screen was Phoebe.
“Have you finally finished your ridiculous little act?” the older woman’s voice crackled through the speaker. “My son is incredibly upset by your blatant ingratitude.“
“I am the one who has been robbed, Phoebe,” Selene said, her voice steady and sharp.
“What is mine, what is yours, and what exists in this home belongs to this family,” Phoebe snapped. “When are you going to stop acting like an outsider?“
“I am going to discuss these illegal actions with a lawyer,” Selene stated.
Phoebe gave a sharp, mocking laugh.
“A lawyer? With what money do you plan to pay them, given that you do not even have a car to work with?” she scoffed. “Without Owen, you are absolutely nobody, and without that vehicle, you are even less than that.”
Something inside Selene cracked, but not in a way that made her collapse. It was the kind of break that signaled the end of a long, unhealthy pattern.
“Thank you for being so honest about who you really are,” Selene said, and she ended the call.
The following day, she borrowed Sarah’s sedan for her Pine Bluff appointment and spent the rest of her time working with a reputable family law firm. When she arrived at the property she was scheduled to show, she parked the borrowed car and noticed a familiar van by the gate.
Her heart nearly stopped when she realized it was her silver SUV.
It still had the small peaceful landscape decal her aunt had placed on the dashboard, and through the window, she could see a stray piece of her own clothing still lying on the back seat.
A man stepped out of the vehicle and looked at her with confusion.
“Good morning,” he said. “Are you the realtor, Selene Miller?”
She could barely nod, her eyes fixed on the vehicle that had been taken from her.
“This is strange,” the man said, looking down at the folder in his hand. “I am here to finalize a purchase for this vehicle, but the paperwork I have here claims that you signed the transfer yesterday in the city.”
Selene felt the ground seem to tilt beneath her as she understood just how deep the deception went.