Chapter 11 - Harold’s document box
Inside the box were copies of financial documents.
Loan applications.
Tax forms.
Old account-opening packets.
Copies of signatures.
Several documents bearing Christine’s name.
Two bearing Brian’s.
Three bearing Scott’s.
One bearing mine.
And four involving Jake.
That was the part that made my hands shake.
Not a bank account full of millions.
Not a trust.
Credit-building products.
Custodial accounts.
Insurance-related financial forms.
One education savings account I knew about.
Others I did not.
Harold had spent decades working inside banking operations.
He understood documentation.
He also believed family permission was flexible.
At first, the documents looked like old financial planning.
Then investigators compared them to actual account histories.
Some were legitimate.
Some questionable.
One line of credit had been opened using Christine’s information eight years earlier.
She remembered signing something.
Maybe that.
Another account involved Brian and Harold jointly.
Legitimate.
Scott had willingly borrowed money.
Legitimate.
The documents involving Jake were different.
A custodial investment account existed.
I knew about it.
But another product had been opened using Jake’s identifying information as part of a credit-building strategy no parent had approved.
Small balance.
No catastrophic debt.
Still unauthorized.
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Harold had been using family identities to solve financial problems and move obligations for years.
Not everyone knew.
