fiction

Chapter 2 - THE PAPER TRAIL OF FRAUD

“What did you say?” I whispered, the words catching in my raw throat.

The mention of a folder in my room—combined with the sudden, frantic panic in Helen's eyes—cut through the haze of shock. For a second, the roaring flames of my burning life felt secondary to the chilling realization that my mother and sister weren't just acting out of erratic, grief-fueled abandonment issues.

They were hiding a crime.

“Nothing,” Brooke stammered, casting another nervous glance across the street where Mr. Ellis’s phone remained pointed squarely at our driveway. “Mom, let her go. Look at old man Ellis—he’s definitely calling someone. Let’s get inside before the fire department shows up.”

Helen’s grip finally slipped as I violently jerked my arm backward. I scrambled up onto my feet, stumbling slightly on my woolen socks. My palms were stinging, red welts blooming across my skin from the radiant heat of the suitcase, which was now little more than a collapsing, smoking metal skeleton.

“You’re hiding something,” I said, my voice dropping an octave, steadying with a cold, terrifying clarity. The tears stopped flowing. In their place, a hard, crystalline rage crystallized behind my ribs. “What folder? What did you sign?”

“Nothing that concerns you, ungrateful little bitch!” Helen hissed, her composure cracking. She turned and began marching toward the front porch, her flannel robe billowing behind her. “Brooke, get inside. Now.”

Brooke hesitated, glaring at me with pure venom, before following our mother up the steps. The front door slammed shut with a heavy, final thud.

I didn't follow them. Instead, I turned on my heel and walked directly across the dew-soaked lawn toward the property line. Mr. Ellis was standing at the edge of his driveway, lowering his phone slowly. His face was pale, lined with decades of quiet dignity.

“Clara, honey,” Mr. Ellis said softly, shaking his head. “Are you alright? Should I call 911? That looked... good God, Clara, your clothes were in that bag.”

“Mr. Ellis,” I said, my voice unnervingly calm. “Did you get that on video?”

He blinked, looking down at his phone, then back up at me. “Every second of it, starting from when your sister dropped the match. I’ve lived next door to your family for twenty-two years, Clara. I loved your dad. But what I just saw out here... that wasn't right. That was criminal.”

“Mr. Ellis, I need a favor. A massive favor.” I reached into my pocket, my fingers brushing against my hidden crossbody bag, confirming the passports were safe and sound against my chest. “Can you email that video to my personal cloud account right now? And... can I sit in your kitchen for twenty minutes? I need to use your Wi-Fi, and I need a safe place to check something in my bedroom.”

Mr. Ellis didn’t hesitate for a single second. He stepped aside and swung his front door wide open. “Step on in, Clara. Make yourself at home. My wife left coffee on the warmer ten minutes ago.”

Ten minutes later, sitting at Mr. Ellis’s immaculate formica kitchen table with a steaming mug of black coffee between my trembling hands, I opened my spare emergency Chromebook. My heart hammered against my ribs like a trapped bird as I logged into my password manager, accessed my secure cloud drive, and then navigated to the digital vault where I kept scans of every important document I owned.

I didn't check my flight itinerary. I didn't check my Irish apartment lease.

Instead, I opened the digital folder labeled: HOUSE & FINANCIAL RECORDS – CONFIDENTIAL.

I scrolled past the mortgage statements, past Dad’s death certificate, and straight down to the PDF titled: Home Equity Line of Credit (HELOC) – Authorization & Disbursement.

My eyes scanned the document, and the air rushed out of my lungs.

There it was. Dated four months ago. A secondary mortgage taken out against our family home in Tacoma—the house my father had paid off completely before he died.

The amount: $110,000.

The purpose listed: Home Improvement & Debt Consolidation.

And at the bottom, under Co-Borrower Signature...

May you like

My name.

Neatly, perfectly, and entirely forged.

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