Chapter 10 — Four Hundred Fifty Thousand

By four o’clock, Phoebe called back, and told me to sit down before she spoke, and I understood by now to do it.

“A private lending firm just flagged an active application,” she said.

“For a four-hundred-and-fifty-thousand-dollar cash-out equity line.

On your home address.”

“Phoebe, I never applied for a loan.”