“And I understand that I need protection if he fails.”

That was when we began drafting the addendum he would eventually read in court.

PART 10

There was another person affected by Mark’s decisions, someone I had never expected to meet.

Her name was Diana Reyes, and she worked in the finance office of the dealership where Mark had bought his second luxury SUV.

Diana called after receiving a request for a payoff statement.

She said the account had been refinanced twice in eighteen months and that a promotional rate had expired.