On the back, a phone number was written in pencil.

It wasn’t my handwriting.

“Can you stop the loan?” I asked.

“Only if the application is proven fraudulent.

That takes a written report and an investigation.” Peters closed the file.

“Until then, the loan is active.”

I drove home with the application on the passenger seat and Maya awake in the back.

At two thirty, Arthur’s truck pulled into the driveway.