Every single transfer had gone straight to an unlisted third-party settlement account named Apex Capital Holdings.

I reached for the stack of unopened red envelopes leaning against the base of the lamp and slid my thumb under the flap of the top letter.

Inside was a final notice of delinquent debt from a private collection agency in Cleveland, listing an unpaid balance of eighty-four thousand, two hundred and ten dollars.

The second notice listed three separate high-interest cash loans taken out in Daniel’s name between May and August, all marked delinquent for nonpayment.

The third letter was an urgent legal notice warning that his executive sales commissions would be subject to immediate court garnishment if eighty thousand dollars wasn’t paid before November first.