She’d refinanced a personal loan.
And she’d been using various forms of short-term borrowing to fund purchases she couldn’t afford.
The diamond necklace deposit was only the latest decision.
“How much does she owe?” I asked.
He swallowed.
“Almost forty thousand dollars.”
I closed my laptop.
“Does that include the necklace?”
“Yes.”
I took a breath.
“How long has she been carrying that debt?”
“Years.”
I stared at him.
Patricia had spent years criticizing my careful spending.
She mocked my habit of comparing prices.
She called me stingy when I refused unnecessary purchases.
Yet she was carrying substantial consumer debt.
Derek looked miserable.
“She told me she’d been managing everything.”
I nodded.
“Apparently not.”
He leaned forward.
“I didn’t know.”
I believed him.
But not knowing didn’t erase his responsibility for handing over control of his salary without understanding the arrangement.
He looked at me.
“What should I do?”
It was the first genuine question he’d asked me in days.