On a rainy night, I crashed my car. I called my husband. He said, “Call someone who cares. I’m done with you.” So I called 911 — then I made one more call. 3 days later, he stormed into my hospital room, pale as a ghost. He’d just found out what I’d done…

I looked down.

It was an application for a three-hundred-and-fifty-thousand-dollar commercial line of credit for Mercer & Sons Property Solutions LLC, registered to Mark’s thirty-one-year-old son, Tyler Mercer.

Tyler was Mark’s son from his brief first marriage in the early nineties—friendly, chronically underemployed, and cursed with endless entrepreneurial enthusiasm but almost no financial sense.