Chapter 5: The Woman Who Knew Her Mother
"Don't answer that message," her father said.
Nia lifted her eyes from the screen.
"Why?""
"Because Denise has no business getting involved in this.""
"She's listed as a witness on Mom's trust.""
"She was a friend of your mother's.""
"Then why are you afraid of her?""
"I'm not afraid of her.""
Nia held up the phone.
"You look like you've seen a ghost.""
Her father stepped toward her.
"Sweetheart, please. Whatever Denise tells you, remember that she wasn't there for us after your mother died. I was the one who stayed. I was the one who raised you.""
The words struck a nerve.
For six years, Nia had watched him work, sacrifice, and struggle. She had believed every hardship was proof of his devotion.
Now he was using that devotion as a shield.
"You don't get to list everything you did for me as payment for keeping secrets," she said.
His expression crumpled.
"I never wanted payment.""
"Then stop acting like I owe you unquestioning loyalty.""
She walked out of the storage unit.
Her father followed, calling her name, but she kept moving until she reached the parking lot.
The sun was hot against her face. A delivery truck rattled past the entrance, its engine drowning out his voice for a moment.
Nia unlocked her car.
"Please," he said again.
"Let me explain before you speak to her.""
She looked at him through the open driver's door.
"You had six years.""
Then she got inside and shut the door.
Her hands trembled as she started the engine.
She didn't know whether to drive home, call a lawyer, or scream until her throat hurt. Instead, she pulled into a parking space near the gate and opened the message again.
Please don't leave that storage unit with him until I explain what he hasn't told you.
She called the number.
A woman answered almost immediately.
"Nia?""
"Yes. Who are you?""
"My name is Denise Walker. I was your mother's closest friend before she died.""
"Why haven't I ever heard of you?""
A pause.
"Because your father asked me to stay away.""
Nia looked through the windshield at her father. He stood near the storage-unit entrance, speaking urgently into his phone.
"Why did you agree?""
"I didn't. Not at first. But your father told me you were traumatized and needed time. He said you were seeing a counselor, that you were struggling to accept your mother's death, and that contact from me would make things worse.""
Nia swallowed.
"I never saw a counselor.""
"I know that now.""
"How?""
"Because I called your college last year when I finally found a way to contact you. I was told you were doing well. I realized your father might have been lying.""
Nia gripped the steering wheel.
"What does any of this have to do with the trust?""
"Your mother didn't just leave you money, Nia. She left you evidence.""
"Evidence of what?""
"Financial misconduct. Documents showing that money had been moved out of her family's business before she died. She believed someone was stealing from the company, and she was trying to find out who.""
Nia's heart hammered.
"Was it my father?""
"I don't know the whole truth. I know your mother suspected him of signing documents he had no authority to sign. I know she was preparing to confront him. And I know she asked me to keep a copy of the records in case anything happened to her.""
Nia stared at the dashboard.
"Are you saying my mother's death wasn't an accident?""
"No," Denise said firmly.
"I'm not saying that. I don't have evidence that anyone caused her death. I won't make that claim. But I do know she was frightened before she died, and I know some of her documents disappeared afterward.""
Nia let out a shaky breath.
"What do you have?""
"A copy of a letter she wrote to me. Some financial records. And a document your father signed that he later claimed never existed.""
Nia looked toward the storage-unit entrance.
Her father was watching her now.
"What document?""
"A transfer authorization involving the trust.""
Nia felt sick.
"Did he forge my signature?""
"I don't know. The copy I have doesn't show your signature. But it does show that he authorized money to be moved into an account that wasn't part of the trust.""
"How much?""
"One hundred and twenty thousand dollars in the first transfer.""
Nia closed her eyes.
Her father had said he used some of the money to keep their house.
He hadn't mentioned a separate account.
"Can you prove it?""
"I can show you what your mother gave me. Whether it proves a crime is something a lawyer will have to determine.""
Nia wiped her cheek.
"Where are you?""
"Decatur. I still live in the same house your mother visited every Sunday.""
"Can I come see you?""
"Of course. But I want you to bring someone you trust.""
Nia almost laughed at the suggestion.
Someone she trusted.
Her boyfriend had betrayed her. Her best friend had helped him. Her father had concealed an inheritance and lied about the past.
She didn't know who remained.
"I'll come alone," she said.
Denise hesitated.
"Then meet me at the public library on East Lake Drive. It's busy, and there are people around. I'll bring the documents, and you can decide what you want to do next.""
Nia agreed.
When she ended the call, her father was standing beside her car.
"Who was that?""
"Denise.""
His jaw tightened.
"What did she tell you?""
"Enough.""
"Nia, she's going to fill your head with things she can't prove.""
"Then why not let her show me the evidence?""
He opened his mouth.
Nothing came out.
Nia started the engine.
"Go home, Dad.""
"Where are you going?""
"Somewhere I can hear the truth without you interrupting.""
She drove away before he could respond.
The library was crowded when Nia arrived.
Children sat around a low table near the entrance, and an elderly man read a newspaper beside the windows. The smell of coffee drifted from a small café across the street.
Nia chose a table near the circulation desk.
At twelve twenty, a woman in her late fifties approached, carrying a brown leather folder.
She had warm brown skin, short silver-streaked hair, and the same kind of gentle eyes Nia remembered from the photograph.
"Nia Carter?""
Nia stood.
"Denise?""
The woman nodded.
For several seconds, they studied each other.
Then Denise reached into her handbag and removed a photograph.
It showed Nia as a toddler, sitting on her mother's lap in a garden. Denise stood beside them, one arm around Nia's mother.
Nia touched the picture.
"That's me?""
"Your second birthday," Denise said softly.
"Your mother made that cake herself. She was furious because the frosting kept sliding off.""
A small, involuntary smile crossed Nia's face.
"She used to tell me about that cake.""
Denise's eyes filled.
"She talked about you constantly. You were the center of her world.""
Nia sat down.
"Then tell me what happened.""
Denise opened the folder.
The first document was a letter dated several weeks before her mother's death.
The handwriting was unmistakable.
Denise,
I have been reviewing the trust accounts, and the numbers do not match the statements I've received. Charles insists the transfers were authorized, but I never signed the paperwork he showed me.
Nia stopped reading.
Charles was her father's name.
She continued.
If I am wrong, I will apologize. But if I'm right, Nia's future is being used to cover debts that do not belong to her. I need you to keep copies of everything. I am afraid that if I confront him without proof, the documents will disappear.
Nia lowered the letter.
"Why didn't you give this to the police?""
"I considered it. But your mother died before she could explain everything. Your father said the money had been transferred legally.
He showed me documents I couldn't verify. I was afraid of making accusations without proof.""
"Then why keep the letters?""
"Because I promised your mother I would.""
Denise placed another document on the table.
It showed a transfer from the trust into an account labeled Carter Family Holdings.
The date was six weeks before Nia's mother died.
Nia stared at the signature.
Her father's.
"Was that account in his name?""
"Yes.""
"Did Mom know?""
"She suspected something was wrong. She told me she'd confronted him about it.""
"What did he say?""
Denise hesitated.
"He told her the money was being used temporarily to keep a business afloat. He promised to replace it.""
Nia felt a cold wave of recognition.
The same excuse.
The same promise.
The same refusal to answer the question of when.
"Did he own a business?""
"Not one I knew of. Your father worked in corporate finance. But he had investments, and he was trying to buy into a property development company.""
Nia looked at the amount again.
One hundred and twenty thousand dollars.
"Was that all?""
"No. There were more transfers. I have records of three, totaling nearly four hundred thousand dollars.""
Nia pressed her fingers to her forehead.
Four hundred thousand.
Her father had taken half the money her mother had left for her, if Denise's records were accurate.
"Where did the money go?""
"I don't know. Some appears to have gone to the development company. Some went into accounts I couldn't trace.""
"Could my father have lost it all?""
"Possibly. Or some of it may still exist. That's why you need a lawyer who understands trusts and financial records.""
Nia looked at the folder.
"What about the document with my signature?""
Denise went still.
"What document?""
"The one Malik photographed. It had my name on it, and my father's signature. It was dated three days after Mom died.""
Denise's face changed.
"Did you see the whole page?""
"No. Only a photograph.""
Denise opened a separate envelope and removed a photocopy.
Nia's breath caught.
It was the same document.
A transfer authorization.
The printed date was three days after her mother's death.
But the signature at the bottom wasn't the only thing that looked wrong.
The document stated that Nia, then sixteen years old, had agreed to relinquish certain claims to the trust in exchange for the continued payment of her living and educational expenses.
Nia stared at the paragraph.
"I couldn't legally agree to this. I was a minor.""
"Exactly," Denise said.
"That's why your mother required an independent witness for any change to the trust.""
Nia pointed to the signature.
"Is that supposed to be mine?""
Denise nodded slowly.
"It's what your father submitted.""
Nia looked closer.
The signature resembled her name, but the final letter was wrong. She always signed the C in Carter with a small curl. This signature ended abruptly.
It was a forgery.
She knew it as surely as she knew her own handwriting.
"Did you witness this?""
"No.""
"Then why does your name appear on the second page?""
Denise's lips parted.
She took the document from Nia and turned it over.
There, beneath the witness statement, was Denise Walker's signature.
Her face went pale.
"I never signed this.""
Nia looked at her.
"Are you sure?""
"Absolutely.""
Denise pulled a pair of reading glasses from her handbag and examined the page.
"That's a copy of my signature from another document. Someone reproduced it.""
Nia felt the world narrow around her.
Someone had forged her signature.
Someone had forged Denise's.
And her father had used the document to authorize changes to a trust that belonged to Nia.
"Why would he do that?"" Nia whispered.
Denise folded her hands on the table.
"That's the question your mother was trying to answer.""
Nia stared at the document until she could no longer see the words clearly.
Then she remembered Malik's message.
There was a letter addressed to you. He said if you ever read it, your father could lose everything.
She looked up.
"Do you know what happened to the original letter?""
Denise shook her head.
"No. But your mother told me she had written a final letter to you. She said it would explain why she had created the trust in the first place.""
"Where is it?""
"I don't know. I thought it was lost.""
Nia's phone vibrated.
A new message from Malik.
I know you met Denise. I need you to understand something before she tells you the wrong story. Your father didn't just take the money. He asked me to help him find the original documents.
Nia stared at the screen.
Another message arrived.
And I have proof.
She felt her stomach turn.
She showed Denise.
The older woman read the message, then looked toward the library entrance.
"Did you tell Malik you were coming here?""
"No.""
"Did you tell your father?""
"No.""
Denise gathered the documents quickly.
"Then somebody is watching your messages, or Malik has been following you.""
Nia's blood ran cold.
"Why would he follow me?""
Denise looked at her with an expression that mixed sorrow and alarm.
"Because whatever your father was hiding, Malik may have known about it long before you did.""
Nia's phone rang.
Her father.
She answered without speaking.
His voice came through immediately.
"Nia, listen to me. You need to leave that library right now.""
She stood.
"How do you know where I am?""
A long silence followed.
May you like
Then her father said something that made her grip the table.
"Because Malik just called me, and he says he's on his way there.""