Chapter 3: The Financial Trail
I found Nia in the bridal suite, pacing between the vanity and the tall windows overlooking the hotel gardens.
Her bouquet lay abandoned on the couch. Two champagne glasses sat untouched on the table, and a thick folder rested beside them.
The moment she saw me, she held out a pen.
“Thank God. Sit down and sign this.””
I didn't take it.
“What am I signing?””
“An authorization. It's standard paperwork connected to the property negotiations.””
“Which property negotiations?””
Her eyes narrowed.
“Marcus, please don't start interrogating me like I'm on trial.””
“Your mother has a copy of my father's land deed in her handbag. A man delivered an ownership notice addressed to him. Now you're asking me to sign a property authorization on my wedding day.””
I pointed at the folder.
“Explain.””
Nia dropped the pen onto the table.
“Your father has an asset he doesn't know how to manage. My family has the resources to help him. That's all.””
“He knows how to manage it well enough not to sell it for a quarter of its value.””
“You're repeating things you don't understand.””
“Then help me understand.””
She pressed her palms against the vanity.
“The development project requires consolidated ownership of several parcels. Your father's land is in the middle of the proposed site. If he refuses to cooperate, the project could be delayed for years.””
“That's his decision.””
“And your marriage could be affected by it.””
I stared at her.
“What does my marriage have to do with his land?””
She looked away.
That tiny movement told me more than her words had.
I walked toward the folder and opened it.
The first document was a proposed management agreement. The second was a financial authorization bearing my name. The third was a letter from a private investment firm requesting confirmation of my future marital assets.
I read the last page twice.
“Why is my name on a document about financing your family's company?””
Nia snatched the papers from me.
“Because we're getting married. Our financial lives will be connected.””
“Not automatically. And not like this.””
“You said you wanted a future with me.””
“I did. I didn't say you could use my father's property as collateral.””
Her face changed.
Only for a second.
But I saw it.
“Who told you that?”” she asked.
“No one. I'm reading the document.””
She shoved the folder into a drawer.
“Your father is making this into something it isn't. He's always been suspicious of successful people.””
“My father spent his life working. He doesn't need to envy anyone.””
“Then why is he refusing an offer that could make him a wealthy man overnight?””
“Because your offer was dishonest.””
Nia laughed sharply.
“That's ridiculous.””
“Is it? Why did your mother say you made promises you had no right to make?””
The color drained from her face.
I stepped closer.
“What promises, Nia?””
She picked up her bouquet and began pulling apart one of the white roses, stripping away its petals one at a time.
“You want the truth?”” she asked.
“Fine. My family has investors waiting. The project is supposed to close next month. Your father's land was included in the preliminary valuation because everyone assumed the title issue would be resolved.””
“Everyone assumed?””
“Your mother—”
She stopped herself.
“My mother spoke with him. She believed he'd agree.””
“And when he didn't?””
Nia tossed the ruined rose into the trash.
“We needed another way to secure the financing.””
I looked at the papers in the drawer.
“By using me?””
“By combining our financial positions after marriage.””
“You mean by making my name available to your family.””
“Don't twist my words.””
“Then tell me what the money is for.””
For a long moment, she stared at me.
Then she whispered, “The company is under pressure.””
“How much pressure?””
“That's not relevant.””
“It's relevant if you're asking me to sign financial documents.””
She turned away and wiped at her eyes, but I noticed there were no tears.
“My father built that company over thirty years. If this deal collapses, hundreds of employees could lose their jobs. People invested their savings. My family could lose everything.””
“Then why not tell the investors the truth?””
“Because business doesn't work that way!””
The words burst out of her.
She froze.
I lowered my voice.
“What truth?””
Nia pressed her hands against her face.
When she finally looked at me, her expression had changed from anger to desperation.
“The company borrowed money against expected development profits. The profits haven't materialized. We need the land secured so the lenders will extend the credit.””
“How much do you owe?””
She swallowed.
“About twelve million dollars.””
The room seemed to tilt.
“And you planned to solve that by taking control of my father's property?””
“We planned to refinance. The property would be part of the security package.””
“Without telling him what it was worth?””
“He would have been paid.””
“Two million for eight million in land.””
She looked away.
I felt sick.
Then I remembered the fourth document.
The one asking for confirmation of my future marital assets.
I took a breath.
“Does my signature make me responsible for your family's debt?””
“No.””
“Look at me and say that again.””
She didn't.
Instead, she walked toward the window.
“Marcus, if we get married today, we can work this out. Your father can keep his land. We can renegotiate the terms. Everything doesn't have to end because you discovered some complicated paperwork.””
“Then why did you threaten to cancel the wedding if he attended?””
She turned around.
“Because he was supposed to sign the agreement before the ceremony, and he refused to even discuss it! I thought if you were here, surrounded by both families, you could persuade him.””
The silence that followed was unbearable.
I stared at her.
“You invited my father to his own humiliation because you wanted to pressure him into signing away his land?””
“I didn't invite him to be humiliated!””
“You told him to hide in a private room.””
“I was trying to protect the wedding.””
“From what? His suit?””
She had no answer.
My phone rang.
The caller ID showed an unfamiliar number.
I answered.
“Marcus Bennett?””
“Yes.””
“My name is Daniel Brooks. I'm a forensic accountant working with a lender that has financed several Whitmore Development projects.””
I glanced at Nia.
She had gone completely still.
“Why are you calling me?””
“Because your name appears in a set of documents submitted to our office this morning. I need to ask you whether you've authorized any personal guarantee connected to the Bellweather development.””
“No. I haven't authorized anything.””
There was a pause.
“Have you signed any agreements with Nia Whitmore or Evelyn Whitmore regarding your father's property?””
“No.””
“Good. Please don't sign anything until you've spoken with an attorney.””
I gripped the phone.
“What exactly did you find?””
“I'm not comfortable discussing the details over an unsecured call. But there are discrepancies in the financial records, and your name appears on a document that suggests you have already agreed to provide additional security.””
“I haven't.””
“I believe you. That's why I'm calling.””
I looked at Nia.
She was staring at the phone as though she could hear every word.
Daniel continued.
“There is also a payment trail involving a consulting company that appears to have received funds shortly before the property negotiations began. The company is registered to someone connected to the Whitmore family.””
“Who?””
Before he could answer, Nia lunged forward and snatched the phone from my hand.
“Who gave you this number?”” she demanded.
I grabbed her wrist and took the phone back.
“Nia, stop!””
But Daniel had already ended the call.
For several seconds, neither of us moved.
Then someone knocked on the suite door.
“Marcus?”” a woman's voice called.
“It's Evelyn. You need to hear this before you decide whether to marry my daughter.””
I opened the door.
Evelyn stood in the hallway, her face drawn and her hands trembling. She held a thick stack of printed bank records against her chest.
“I found out what Nia has been doing,” she said.
Nia rushed toward her.
“Mom, don't.””
Evelyn stepped backward.
“No. I've protected you long enough.””
She looked directly at me.
“The money your fiancée says is missing from the company didn't simply disappear into business losses. Some of it was transferred to a private account, and the person who received the largest payment wasn't your father or mine.””
My stomach tightened.
“Who received it?””
Evelyn glanced at Nia, whose face had become frighteningly pale.
Then she handed me the top sheet.
A familiar name appeared beside a transfer worth $640,000.
*MARCUS BENNETT.*
“That account isn't mine,” I whispered.
“I know,” Evelyn said.
“But according to these records, someone has been using your identity for months.””
May you like
Nia backed away from us.
And when Evelyn revealed who had helped her do it, I finally understood why my bride had been so desperate to get me to the altar.