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Chapter 8 - THE DECREE WAS NOT THE BIGGEST PROBLEMThe forged decree—because forensic examination eventually supported that it was altered rather than court-issued—was serious.

But Detective Ruiz was not the investigator who took over that part.

Financial-crimes Detective Lauren Walsh contacted Kathleen.

Why financial crimes?

Because Kathleen asked a question while being interviewed:

“If we were never divorced, how did Austin refinance the house?”

That sentence opened the larger investigation.

Kathleen and Austin still jointly owned the home they had bought during marriage.

Kathleen had moved out.

Austin remained.

She thought they were going to sell after divorce.

Instead Austin told her twelve months earlier:

“I’m refinancing into my name so the mortgage isn’t your problem.”

Kathleen remembered signing preliminary paperwork early in the separation.

Then nothing.

Months later, Austin told her it was finished.

She never checked.

Why would she?

She wanted distance.

Now Detective Walsh pulled title records.

A refinance had occurred.

Not into Austin’s name alone.

The new loan still listed both Austin and Kathleen as borrowers.

And it included a cash-out component.

Approximately $84,000.

Kathleen stared at the paperwork.

“I did not sign this.”

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That was the larger crime.

Or the beginning of it.

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