At the end of every month, Mom called. ‘The mortgage is overdue. Pay it now. And send your sister $12,000 for her new house.’

Jenna stood.

“Then I’ll pay it.”

Mr. Hale opened his folder.

“With what funds?”

He slid copies of the equity-line records across the table.

Dad picked up the application showing Mom had represented herself as legal owner of the property.

Then he reached the transfer history.

His hands shook.

“One hundred eighty thousand?”

“Robert,” Mom whispered.

“You told me Emily was paying the mortgage because she wanted to help.”

“No,” I said. “I paid because you told me the house would be lost otherwise. Meanwhile, Mom borrowed against it illegally