“Come home now. Everything is falling apart.”

I called Owen before anyone else. He was safe at our aunt’s house.

Then I opened my banking app and removed my card from every account connected to the household.

That was when a fraud alert appeared.

Someone had just attempted to take out a twenty-five-thousand-dollar loan using my name.

The application used my mother’s address.

And Tyler’s phone number was listed as the main contact…..

Part 2

The loan application had been filed less than an hour after Mom’s last voicemail.

I froze my credit, contacted the lender, and called Detective Sarah Nguyen, whose phone number was included in the confirmation email from the fraud department. She asked if Tyler had access to my Social Security number, tax documents, or electronic signature.