Chapter 7: ## Chapter 7: The Woman Who Knew Everything
: The Woman Who Knew Everything
Vanessa called Rachel back seventeen times.
Every callVanessa called Rachel back seventeen times.
Every call went straight to voicemail.
By the eighteenth attempt, Tiffany had taken the phone from her hand went straight to voicemail.
By the eighteenth attempt, Tiffany had taken the phone from her hand and placed it on the kitchen table.
“Stop,” Tiffany said.
“You're not going to get answers by calling someone and placed it on the kitchen table.
“Stop,” Tiffany said.
“You're not going to get answers by calling someone who may be too frightened to speak.””
“Daniel was standing right who may be too frightened to speak.””
“Daniel was standing right beside her. I heard him.””
“I know.””
“What if he took her phone? What if he's forcing her to lie?””
“Then beside her. I heard him.””
“I know.””
“What if he took her phone? What if he's forcing her to lie?””
“Then we need to find out what's happening without making things worse.””
Vanessa stood beside the window, staring at the driveway where Daniel usually we need to find out what's happening without making things worse.””
Vanessa stood beside the window, staring at the driveway where Daniel usually parked his car. The afternoon light stretched across the lawn, illuminating the flower beds she had spent years maintaining parked his car. The afternoon light stretched across the lawn, illuminating the flower beds she had spent years maintaining. Everything looked peaceful.
It made the situation feel even more unreal.
Rachel had been part of Vanessa's life for eleven years. Everything looked peaceful.
It made the situation feel even more unreal.
Rachel had been part of Vanessa's life for eleven years. She had helped Vanessa choose her wedding dress, spent Christmas mornings at their house, and cried on Vanessa's shoulder after. She had helped Vanessa choose her wedding dress, spent Christmas mornings at their house, and cried on Vanessa's shoulder after her first serious breakup.
She had once driven through a thunderstorm to bring Vanessa medicine when Daniel was her first serious breakup. She had once driven through a thunderstorm to bring Vanessa medicine when Daniel was traveling.
She had also asked for a copy of Vanessa's driver's license.
And now her name was attached traveling.
She had also asked for a copy of Vanessa's driver's license.
And now her name was attached to a suspicious financial document.
“I need to know whether she helped him,” Vanessa whispered.
Tiffany sat down.
“There's another possibility.””
Van to a suspicious financial document.
“I need to know whether she helped him,” Vanessa whispered.
Tiffany sat down.
“There's another possibility.””
Vanessa turned.
“What?””
“Maybe she helped him at first without knowing what he was doing. Maybe she discovered something later. You don't know yet.””
Vanessa turned.
“What?””
“Maybe she helped him at first without knowing what he was doing. Maybe she discovered something later. You don't know yet.””
Vanessa wanted to believe that.
But she remembered Rachel's voice on the phone.
Whatever Daniel told you, don't believe that I—
Then Daniel hadessa wanted to believe that.
But she remembered Rachel's voice on the phone.
Whatever Daniel told you, don't believe that I—
Then Daniel had interrupted.
Vanessa picked up her laptop and opened the submission record again.
The reference number led to a correspondence file interrupted.
Vanessa picked up her laptop and opened the submission record again.
The reference number led to a correspondence file that the lender had included in its preliminary disclosure. Several pages were missing, but the index that the lender had included in its preliminary disclosure. Several pages were missing, but the index showed an email exchange between Rachel and an outside document consultant named Paul Mercer.
The subject line read: **Replacement Authorization showed an email exchange between Rachel and an outside document consultant named Paul Mercer.
The subject line read: *Replacement Authorization — Cole Property Advisory.*
Vanessa opened the available — Cole Property Advisory.**
Vanessa opened the available message.
Rachel had written:
*I've attached the identification documents you requested. Daniel says the revised consent has to be completed before Friday. Please confirm that the signature page matches the version he message.
Rachel had written:
I've attached the identification documents you requested. Daniel says the revised consent has to be completed before Friday. Please confirm that the signature page matches the version he approved.
The consultant's response was brief.
Received. I can prepare the page, but I need confirmation from the person whose consent is being recorded.
approved.*
The consultant's response was brief.
Received. I can prepare the page, but I need confirmation from the person whose consent is being recorded.
Rachel had replied four minutes later.
Daniel says she has already agreed. We just need to finish the paperwork.
VanRachel had replied four minutes later.
Daniel says she has already agreed. We just need to finish the paperwork.
Vanessa read the exchange twice.
Her chest tightened.
“She told him I agreed,” Vanessa said.
Tiffany leaned over theessa read the exchange twice.
Her chest tightened.
“She told him I agreed,” Vanessa said.
Tiffany leaned over the screen.
“That's what the email says.””
“But I never agreed.””
“Then your attorney needs this.””
Vanessa forwarded the message to Sarah Whitmore and called screen.
“That's what the email says.””
“But I never agreed.””
“Then your attorney needs this.””
Vanessa forwarded the message to Sarah Whitmore and called her immediately.
Sarah answered on the second ring.
“Vanessa?””
“I found an email from Rachel to a document consultant. It says her immediately.
Sarah answered on the second ring.
“Vanessa?””
“I found an email from Rachel to a document consultant. It says Daniel told her I had agreed to the transaction.””
“Did you preserve the original message?””
“Yes. I forwarded it, but I haven't deleted Daniel told her I had agreed to the transaction.””
“Did you preserve the original message?””
“Yes. I forwarded it, but I haven't deleted or changed anything.””
“Good. Send me the original file through the secure link or changed anything.””
“Good. Send me the original file through the secure link I provided. Don't contact the consultant yourself. We'll request the full correspondence through the appropriate channels.””
Vanessa swallowed.
“Does this I provided. Don't contact the consultant yourself. We'll request the full correspondence through the appropriate channels.””
Vanessa swallowed.
“Does this mean Rachel forged my signature?””
“Not necessarily. It suggests she may have helped arrange the document, but mean Rachel forged my signature?””
“Not necessarily. It suggests she may have helped arrange the document, but we need the complete record to establish what she knew and what she actually did.””
“Sarah, she knows me. She knows how we need the complete record to establish what she knew and what she actually did.””
“Sarah, she knows me. She knows how I sign my name.””
“I understand. But we need evidence, not assumptions. Your job is to tell me what happened. My job is to I sign my name.””
“I understand. But we need evidence, not assumptions. Your job is to tell me what happened. My job is to help establish what the records show.””
After the call, Vanessa sat quietly.
Tiffany reached for her hand.
help establish what the records show.””
After the call, Vanessa sat quietly.
Tiffany reached for her hand.
“Whatever we find, you didn't do this.””
Vanessa looked at the screen.
“I gave them my identification. I trusted them.””
“Whatever we find, you didn't do this.””
Vanessa looked at the screen.
“I gave them my identification. I trusted them.””
“Trusting your family isn't a crime.””
The words brought tears to Vanessa's eyes.
For years“Trusting your family isn't a crime.””
The words brought tears to Vanessa's eyes.
For years, she had believed that being a good wife meant trusting Daniel without making him explain himself. She had defended him when friends questioned his extravagant spending. She had dismissed, she had believed that being a good wife meant trusting Daniel without making him explain himself.
She had defended him when friends questioned his extravagant spending. She had dismissed her own doubts when his business trips became longer and his answers became shorter.
She had thought loyalty meant her own doubts when his business trips became longer and his answers became shorter.
She had thought loyalty meant silence.
Now silence was the very thing Daniel wanted from her.
Her phone vibrated.
An unfamiliar number appeared.
Vanessa answered cautiously silence.
Now silence was the very thing Daniel wanted from her.
Her phone vibrated.
An unfamiliar number appeared.
Vanessa answered cautiously.
“Hello?””
A woman spoke in a low voice.
“Vanessa, it's Rachel.””
Vanessa stood so abruptly that the chair scraped backward.
“Hello?””
A woman spoke in a low voice.
“Vanessa, it's Rachel.””
Vanessa stood so abruptly that the chair scraped backward.
“Where are you?””
“Please don't ask me that.””
“Rachel, what happened? Why.
“Where are you?””
“Please don't ask me that.””
“Rachel, what happened? Why did you hang up?””
“I didn't hang up. Daniel took the phone.””
Vanessa's stomach dropped did you hang up?””
“I didn't hang up. Daniel took the phone.””
Vanessa's stomach dropped.
“Are you safe?””
There was a long pause.
“I think so.””
“You think so.
“Are you safe?””
There was a long pause.
“I think so.””
“You think so?””
“He's angry. He says you're destroying everything.””
“Rachel, I didn't sign those?””
“He's angry. He says you're destroying everything.””
“Rachel, I didn't sign those documents.””
“I know.””
The answer came so quickly that Vanessa stopped breathing for a moment.
“You know?””
“I documents.””
“I know.””
The answer came so quickly that Vanessa stopped breathing for a moment.
“You know?””
“I knew you hadn't signed the original consent. I didn't know about the second document until last month.””
Vanessa pressed the phone against her ear.
“What did you do?””
Rachel began to cry.
“I made knew you hadn't signed the original consent. I didn't know about the second document until last month.””
Vanessa pressed the phone against her ear.
“What did you do?””
Rachel began to cry.
“I made a terrible mistake.””
“Tell me what happened.””
“Daniel said he needed help organizing some a terrible mistake.””
“Tell me what happened.””
“Daniel said he needed help organizing some paperwork for a property transaction. He told me you'd agreed to guarantee part of the financing paperwork for a property transaction. He told me you'd agreed to guarantee part of the financing. He showed me an old email where you supposedly approved it.””
“I. He showed me an old email where you supposedly approved it.””
“I never approved it.””
“I know that now.””
“Rachel, how did my signature get on those documents?””
“I didn't never approved it.””
“I know that now.””
“Rachel, how did my signature get on those documents?””
“I didn't sign it myself.””
“Then who did?””
Rachel's breathing became uneven.
“The consultant had a digital sign it myself.””
“Then who did?””
Rachel's breathing became uneven.
“The consultant had a digital copy of your signature. Daniel said it came from an old form you'd signed. He told me the documents were just copy of your signature.
Daniel said it came from an old form you'd signed. He told me the documents were just being updated.””
Vanessa closed her eyes.
“Did you know he was using my name without being updated.””
Vanessa closed her eyes.
“Did you know he was using my name without permission?””
“Not at first.””
“And later?””
Rachel said nothing.
“Rachel, answer me.””
“Yes permission?””
“Not at first.””
“And later?””
Rachel said nothing.
“Rachel, answer me.””
“Yes.””
The single word seemed to drain the air from the room.
Vanessa gripped the edge of.””
The single word seemed to drain the air from the room.
Vanessa gripped the edge of the counter.
“When did you find out?””
“About six weeks ago. The lender asked for confirmation because some the counter.
“When did you find out?””
“About six weeks ago. The lender asked for confirmation because some of the figures didn't match. Daniel told me it was a clerical issue.
Then of the figures didn't match. Daniel told me it was a clerical issue. Then I saw an email from the consultant saying they needed a new authorization.””
“And I saw an email from the consultant saying they needed a new authorization.””
“And you knew I hadn't signed it.””
“Yes.””
“Why didn't you tell me?””
Rachel sobbed.
“Because Daniel you knew I hadn't signed it.””
“Yes.””
“Why didn't you tell me?””
Rachel sobbed.
“Because Daniel said the entire deal would collapse. He said the deposit would be lost, his company said the entire deal would collapse. He said the deposit would be lost, his company would fail, and everyone would blame me for helping prepare the paperwork.
He told me he would fix it before anyone would fail, and everyone would blame me for helping prepare the paperwork. He told me he would fix it before anyone noticed.””
Vanessa's anger rose so sharply that she had to sit down.
“You noticed.””
Vanessa's anger rose so sharply that she had to sit down.
“You let me walk around believing everything was fine while my name was being used on loans let me walk around believing everything was fine while my name was being used on loans?””
“I was scared.””
“So was I!””
“I know.””
“No, you don't. You don't know what it's like to discover that?””
“I was scared.””
“So was I!””
“I know.””
“No, you don't. You don't know what it's like to discover that the person you married may have been using your identity behind your back.””
Rachel fell silent.
Vanessa pressed her fingers against her forehead.
“Why are you calling me now the person you married may have been using your identity behind your back.””
Rachel fell silent.
Vanessa pressed her fingers against her forehead.
“Why are you calling me now?””
“Because Daniel wants me to sign a statement saying you gave us permission. He says?””
“Because Daniel wants me to sign a statement saying you gave us permission. He says it'll clear everything up.””
Vanessa felt sick.
“He wants you to lie?””
“He it'll clear everything up.””
Vanessa felt sick.
“He wants you to lie?””
“He says it's only a temporary statement. He says you'll understand once says it's only a temporary statement. He says you'll understand once you hear his side.””
“And will you sign it?””
“No.””
The answer was barely audible.
Vanessa you hear his side.””
“And will you sign it?””
“No.””
The answer was barely audible.
Vanessa closed her eyes.
“Why should I believe you?””
“Because I kept the original emails.””
Vanessa sat closed her eyes.
“Why should I believe you?””
“Because I kept the original emails.””
Vanessa sat perfectly still.
“What emails?””
“The consultant's messages. The drafts Daniel sent. The instructions about the signature page perfectly still.
“What emails?””
“The consultant's messages. The drafts Daniel sent. The instructions about the signature page.
I saved everything because I knew one day he'd say I was responsible for the. I saved everything because I knew one day he'd say I was responsible for the whole thing.””
“Do you have them now?””
“Yes. On a flash drive and whole thing.””
“Do you have them now?””
“Yes. On a flash drive and in an email account Daniel doesn't know about.””
Vanessa looked at Tiffany, who had in an email account Daniel doesn't know about.””
Vanessa looked at Tiffany, who had moved closer and was listening without interrupting.
“Rachel, you need to give those records to a moved closer and was listening without interrupting.
“Rachel, you need to give those records to a lawyer.””
“I know.””
“Not Daniel's lawyer. Your own.””
“I can't afford one.””
lawyer.””
“I know.””
“Not Daniel's lawyer. Your own.””
“I can't afford one.””
“Then tell Sarah what happened. She can explain the next steps, although she'll need to be clear about whom“Then tell Sarah what happened. She can explain the next steps, although she'll need to be clear about whom she represents. You should get independent advice.””
Rachel began crying harder she represents. You should get independent advice.””
Rachel began crying harder.
“I don't expect you to forgive me.””
“I'm not thinking about forgiveness right now.””
“I know.””
“I'm.
“I don't expect you to forgive me.””
“I'm not thinking about forgiveness right now.””
“I know.””
“I'm thinking about how to stop this from getting worse.””
Rachel took a shaky breath.
“There's something thinking about how to stop this from getting worse.””
Rachel took a shaky breath.
“There's something else.””
Vanessa felt her stomach tighten.
“What?””
“The Bennett acquisition wasn't the only else.””
Vanessa felt her stomach tighten.
“What?””
“The Bennett acquisition wasn't the only deal.””
The room seemed to grow quieter.
“What do you mean?””
“Daniel was using deal.””
The room seemed to grow quieter.
“What do you mean?””
“Daniel was using the same documents for another transaction. A commercial development near the river. The lender asked for the same kind of sp the same documents for another transaction.
A commercial development near the river. The lender asked for the same kind of spousal authorization.””
“Did I sign that one?””
“No.””
“Was my name on it?””
“Yesousal authorization.””
“Did I sign that one?””
“No.””
“Was my name on it?””
“Yes.””
Vanessa looked at Tiffany.
Rachel continued.
“Daniel told.””
Vanessa looked at Tiffany.
Rachel continued.
“Daniel told me the first deal was going to generate enough money to cover the shortfall on the second one. He said everything would be settled before the me the first deal was going to generate enough money to cover the shortfall on the second one. He said everything would be settled before the bank reviewed the records.””
“What shortfall?””
“I don't know the full amount. But there were payments he couldn't bank reviewed the records.””
“What shortfall?””
“I don't know the full amount. But there were payments he couldn't cover. He kept saying the next closing would solve everything.””
Vanessa remembered the $180,000 deposit cover. He kept saying the next closing would solve everything.””
Vanessa remembered the $180,000 deposit, the proposed acquisition, and Daniel's frantic insistence that he was protecting their, the proposed acquisition, and Daniel's frantic insistence that he was protecting their future.
It was beginning to sound less like one desperate mistake and future.
It was beginning to sound less like one desperate mistake and more like a chain of decisions.
“Rachel, where is the flash drive?””
“In a storage box at my apartment.””
“Can you get it?””
“Not if Daniel is watching me.””
“ more like a chain of decisions.
“Rachel, where is the flash drive?””
“In a storage box at my apartment.””
“Can you get it?””
“Not if Daniel is watching me.””
“Then don't do anything that puts you in danger. Tell your attorney where it is.””
Rachel hesitated.
“Vanessa,Then don't do anything that puts you in danger. Tell your attorney where it is.””
Rachel hesitated.
“Vanessa, he thinks you're going to help him fix this.””
“I'm not.””
“He says he thinks you're going to help him fix this.””
“I'm not.””
“He says you'll change your mind when you realize what you could lose.””
Vanessa glanced toward the staircase you'll change your mind when you realize what you could lose.””
Vanessa glanced toward the staircase, thinking of the missing house documents and the locked case in Daniel's study.
“Rachel, thinking of the missing house documents and the locked case in Daniel's study.
“Rachel, I need you to listen to me. I won't sign a false statement. I won't tell anyone I approved a document I never saw, I need you to listen to me.
I won't sign a false statement. I won't tell anyone I approved a document I never saw. And I won't let Daniel decide what the truth is.””
A small, broken sound came through. And I won't let Daniel decide what the truth is.””
A small, broken sound came through the phone.
“I wish I'd said that earlier.””
Vanessa swallowed.
“So do I.””
They the phone.
“I wish I'd said that earlier.””
Vanessa swallowed.
“So do I.””
They ended the call after agreeing that Rachel would contact an independent attorney and preserve the records.
Vanessa immediately forwarded her ended the call after agreeing that Rachel would contact an independent attorney and preserve the records.
Vanessa immediately forwarded her notes to Sarah, making clear that the information had come from Rachel's phone notes to Sarah, making clear that the information had come from Rachel's phone call and had not yet been independently verified.
Sarah responded within minutes.
*Thank you. Please do not contact call and had not yet been independently verified.
Sarah responded within minutes.
Thank you. Please do not contact Daniel about this conversation. We will coordinate with Rachel's independent counsel if Daniel about this conversation. We will coordinate with Rachel's independent counsel if she agrees.
Vanessa put down the phone.
Tiffany stood beside her.
“ she agrees.*
Vanessa put down the phone.
Tiffany stood beside her.
“That's a lot to take in.””
Vanessa nodded.
“She's involved. But IThat's a lot to take in.””
Vanessa nodded.
“She's involved. But I don't know how much she knew at the beginning.””
“Let the lawyers establish that.””
Vanessa looked through don't know how much she knew at the beginning.””
“Let the lawyers establish that.””
Vanessa looked through the window.
A dark sedan had just turned into the driveway.
Daniel's car.
Her the window.
A dark sedan had just turned into the driveway.
Daniel's car.
Her entire body stiffened.
“He's home.””
Tiffany moved toward the front door.
“I'm staying.””
entire body stiffened.
“He's home.””
Tiffany moved toward the front door.
“I'm staying.””
Daniel entered without knocking.
He looked at Tiffany, then at Vanessa's laptop.
“Get out,” heDaniel entered without knocking.
He looked at Tiffany, then at Vanessa's laptop.
“Get out,” he told Tiffany.
“No,” Tiffany replied.
“This is a private family matter.””
“Then you can speak told Tiffany.
“No,” Tiffany replied.
“This is a private family matter.””
“Then you can speak to Vanessa without shouting or taking her phone.””
Daniel dropped his keys onto the counter.
“Vanessa, we to Vanessa without shouting or taking her phone.””
Daniel dropped his keys onto the counter.
“Vanessa, we need to talk.””
“About the documents?””
“About the damage you're causing.””
He noticed need to talk.””
“About the documents?””
“About the damage you're causing.””
He noticed the laptop screen and stepped toward it.
Vanessa closed the lid.
“Don't touch my computer.””
Daniel the laptop screen and stepped toward it.
Vanessa closed the lid.
“Don't touch my computer.””
Daniel stopped.
For a moment, the three of them stood in silence.
Then he gave a humorless laugh.
“ stopped.
For a moment, the three of them stood in silence.
Then he gave a humorless laugh.
“Rachel called you.””
Vanessa's heart thumped.
“How do you know?””
“Because she called me afterwardRachel called you.””
Vanessa's heart thumped.
“How do you know?””
“Because she called me afterward.””
“And?””
“She told me everything.””
“Then.””
“And?””
“She told me everything.””
“Then you know she won't sign your statement.””
His jaw tightened.
“She's confused. She's frightened. She's making things worse.””
“Did you ask her to you know she won't sign your statement.””
His jaw tightened.
“She's confused. She's frightened. She's making things worse.””
“Did you ask her to lie?””
“I asked her to clarify what happened.””
“You asked her to say I authorized documents I never signed.””
Daniel lie?””
“I asked her to clarify what happened.””
“You asked her to say I authorized documents I never signed.””
Daniel's expression hardened.
“You have no idea what I've sacrificed to keep this's expression hardened.
“You have no idea what I've sacrificed to keep this family afloat.””
Vanessa stood.
“Then explain the finances. Explain the loan family afloat.””
Vanessa stood.
“Then explain the finances. Explain the loan. Explain why your sister was submitting documents with my name on them.””
“Not here.””
“Where?. Explain why your sister was submitting documents with my name on them.””
“Not here.””
“Where? In In another office where you can tell everyone else what I supposedly agreed to?””
Daniel looked at Tiffany.
“Leave us alone.””
Tiffany folded her arms.
“I'm not leaving her alone with you while you're talking to her like that.””
Daniel took a step toward the table.
Vanessa instinctively moved back.
He noticed.
Something flickered across his face.
“Are you afraid of me now?””
Vanessa looked directly at him.
“ another office where you can tell everyone else what I supposedly agreed to?””
Daniel looked at Tiffany.
“Leave us alone.””
Tiffany folded her arms.
“I'm not leaving her alone with you while you're talking to her like that.””
Daniel took a step toward the table.
Vanessa instinctively moved back.
He noticed.
Something flickered across his face.
“Are you afraid of me now?””
Vanessa looked directly at him.
“I'm afraid of what you've been willing to do.””
For several seconds, DanielI'm afraid of what you've been willing to do.””
For several seconds, Daniel said nothing.
Then his phone rang.
He checked the screen and answered immediately.
“What?””
A man's voice came through loudly enough for Vanessa to hear fragments.
Daniel turned said nothing.
Then his phone rang.
He checked the screen and answered immediately.
“What?””
A man's voice came through loudly enough for Vanessa to hear fragments.
Daniel turned away, but she caught the words lender, documents, and investigation.
His face went pale.
“Who authorized that?”” he demanded.
Another pause.
“No. You cannot freeze the away, but she caught the words lender, documents, and investigation.
His face went pale.
“Who authorized that?”” he demanded.
Another pause.
“No. You cannot freeze the account without speaking to me.””
He listened, then lowered his voice.
“You don't account without speaking to me.””
He listened, then lowered his voice.
“You don't understand. If those records get released, everyone involved will be exposed.””
Vanessa stopped breathing.
Daniel turned understand. If those records get released, everyone involved will be exposed.””
Vanessa stopped breathing.
Daniel turned and saw her watching him.
He ended the call.
“Vanessa, I need you to do something for me.””
She stared at him.
“What?””
“Call Marcus Bennett.””
“Why?””
“Tell him you made a mistake. Tell him you were and saw her watching him.
He ended the call.
“Vanessa, I need you to do something for me.””
She stared at him.
“What?””
“Call Marcus Bennett.””
“Why?””
“Tell him you made a mistake. Tell him you were confused about the signatures. Tell him you want to withdraw your complaint.””
“No.””
“Van confused about the signatures. Tell him you want to withdraw your complaint.””
“No.””
“Vanessa, listen to me—”
“No!””
Her voice echoed through the kitchen.
Daniel flinched, then glanced towardessa, listen to me—”
“No!””
Her voice echoed through the kitchen.
Daniel flinched, then glanced toward the window as though worried the neighbors might hear.
“You don't understand what will happen if this continues.””
“Then tell me the truth.””
He looked at the window as though worried the neighbors might hear.
“You don't understand what will happen if this continues.””
“Then tell me the truth.””
He looked at her for a long moment.
Finally, he whispered, “If Marcus's lawyers get the original files, you'll find out who really started her for a long moment.
Finally, he whispered, “If Marcus's lawyers get the original files, you'll find out who really started this.””
Vanessa's skin went cold.
“Who?””
Daniel looked toward the door.
Then he said a name she had not expected.
“Your this.””
Vanessa's skin went cold.
“Who?””
Daniel looked toward the door.
May you like
Then he said a name she had not expected.
“Your father.””
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