Derek couldn’t get the loan without her.”

“So you did sign it.”

“The family needed help,” Patricia said.

“You wouldn’t understand that, living the way you do.”

Douglas held up a second folder.

“Your Honor, this is the loan file.

Page two is an incapacity affidavit signed by Derek Nolan on June twelfth.

It states that the co-borrower has a disabling psychological condition and can’t sign.”