The records suggested a loan secured by Roger’s individual assets and a series of transfers from his personal account.

They did not prove he’d used mine.

“Be careful,” Melissa said.

“The fact that a person has debt doesn’t automatically mean you owe it.

The fact that you’re married doesn’t automatically tell us which obligations are shared.

We have to follow the paperwork and Ohio law.”

I appreciated the restraint.

I had spent too many years listening to someone announce a conclusion before looking at the facts.