civica

Chapter 5 - The Financial Guillotine

At 10:00 a.m., my legal counsel, Sarah Sterling, walked into the conference room of Carter Risk & Compliance.

Sarah was fifty years old, sharp as a diamond scalpel, and had been my personal and corporate attorney for nearly a decade. Behind her walked two of my senior analysts carrying thick red folders.

"The Cook County State’s Attorney has already taken our affidavit," Sarah said, dropping her briefcase onto the walnut table with a heavy thud. "The forged quitclaim deed has been flagged for fraudulent recordation. The clerk’s office has placed an immediate administrative hold on Unit 4201. Title is secure. Daniel can’t touch a single brick."

"What about First Midwest Bank?" I asked.

"The temporary restraining order was served on their branch president forty-five minutes ago," Sarah said with a predatory smile. "The account for Apex Heritage Holdings has been frozen. Every cent of that $187,000 bridge loan is locked up."

"Good," I said. "Now let's talk about Brooke."

Marcus pulled up a slide on the 85-inch digital display at the end of the room.

"Yesterday morning at 11:30 a.m.," Marcus explained, "while Daniel was pretending to be a blushing groom, Brooke Mercer walked into a luxury automotive dealership in Downers Grove. She signed a thirty-six-month commercial lease on a 2024 Porsche Cayenne GTS. Monthly payment: two thousand four hundred dollars."

"How did she get approved?" I asked, though I already knew the answer.

"She used your corporate name," Marcus said, clicking the remote. "Carter Risk & Compliance was listed as the corporate guarantor. She presented a forged corporate resolution with your digital signature, listing herself as 'Director of Field Logistics.' Daniel provided her with a copy of your corporate tax returns from last year, which he must have photographed from your office desk."

A cold laugh escaped my throat. "She stole my company’s credit to lease a Porsche to celebrate her brother slapping me."

"The dealership delivered the car to her salon in Berwyn two hours ago," Marcus said. "It has temporary plates."

I stood up, adjusting the cuffs of my suit jacket. "Call the Downers Grove dealership. Put me on the line with their general manager and their corporate loss prevention director. Then call the Berwyn Police Department."

Twenty minutes later, I was on the phone with the dealership's general manager, a man named Tom Miller, whose voice sounded like he was about to vomit.

"Ms. Carter, I am so deeply sorry," Miller stammered. "The documentation looked completely legitimate! The corporate seal, the tax forms—"

"Mr. Miller," I interrupted, my voice dropping to an icy chill. "A fraudulent lease was executed using stolen corporate identity documents. Brooke Mercer is currently in possession of a stolen eighty-five-thousand-dollar vehicle. If that vehicle is not repossessed and impounded within the hour, my firm will name your dealership as a co-defendant in a federal wire fraud and commercial identity theft civil suit."

"We are sending our repossession recovery team right now, ma'am! Right now!"

"Make sure you coordinate with the Berwyn police," I added smoothly. "I want Brooke Mercer arrested in front of her clients."

I turned back to Marcus. "Now, what about Victor Vance and Granite Ridge Capital?"

"Victor Vance is sweating bullets," Marcus said. "I ran a deep scrape on Granite Ridge. They aren't a licensed non-bank financial institution in Illinois. They operate under a loophole as an unregulated private lending consortium. In other words: loan sharks with expensive letterhead. When they find out the $187,000 has been frozen in First Midwest Bank and the collateral on your condo is void due to forgery, Victor Vance is going to realize he just gave away two hundred thousand dollars of his own money to a family of broke con artists."

"Let’s help him realize it faster," I said. "Send Victor Vance a formal notice of dispute from our legal team. Attach a copy of the emergency protective order, the police report regarding Daniel’s assault, and the Cook County clerk’s fraud notice. Let Mr. Vance know that if he attempts to place any lien or make any contact regarding Unit 4201, we will refer Granite Ridge Capital to the Consumer Financial Protection Bureau and the Criminal Investigation Division of the IRS."

Sarah Sterling grinned. "That will turn the heat up under Howard and Patricia. Victor will be at their front door before dinner."

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"Let them burn," I said. "They wanted to settle things 'inside the family.' Let’s see how strong the family is when the money runs out."

***

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