The title problem and the losses caused by the improper closing had to be unwound together.

Preserved funds, amounts already paid out, and the parties’ liabilities were dealt with in the settlement and later restitution obligations.

What I wanted was my home returned and the consequences of the unauthorized transaction addressed.

I did not need the paperwork to promise me a fortune.

When Sophia put the completed settlement in front of me, a yellow note marked page seven.

“Read this paragraph twice.”