“Dad planned it four years ago,” I said.

“I just read the ledger.”

“Your father was a passive man who hid behind legal paperwork,” she whispered.

“My father was a logistics officer who knew how to secure an asset,” I said.

“He put this house where you could never pledge it for Brandon’s debts.”

Vance cleared his throat softly and slid the blue-collated agreement across the mahogany table.

“If you refuse the voluntary surrender timeline, Victoria, Ridgefield National Bank will enforce the formal default notice,” Vance said.