“Dad promised the dealership in Portland we’d give them your Toyota as trade-in collateral this week!” Chelsea screamed.

“They were going to credit us six thousand dollars in trade equity to lower my monthly car loan balance!”

I shifted my phone on my knee.

“Dad pledged my car to a dealership without asking me?”

“You drive a seven-year-old compact car that’s worth nothing to you!” Chelsea shrieked.

“Dad put his name on your first car lease seven years ago, so that equity belongs to the family!”

“He was a guarantor on a lease that was paid off four years ago,” I said.