I answered without thinking.

She was crying.

“Sophia, please come… your father is in trouble.”

I stayed silent.

Then she said it.

“The bank called… they said your name is on some documents.”

Everything inside me went cold.

I didn’t go home. I went straight to a lawyer.

Her name was Rachel Turner. Sharp, direct, the kind of person who doesn’t let you hide from reality.

“I need access to everything,” she said. “Credit history, accounts, all of it.”

That same afternoon, I understood this wasn’t a misunderstanding.

It was fraud.

Two personal loans I never applied for. A student loan tied to Emily’s master’s program. A credit line connected to an address I had never lived at. My ID. My work details. Forged signatures.

My father had used my identity like it belonged to him.

I felt sick.

“How could he do this?” I asked.

Rachel didn’t hesitate.

“Because he had access to everything you trusted him with.”

That night, my father called from an unknown number.

“Don’t make a scene,” he said. “If you involve lawyers, you’ll ruin your sister’s life.”

“You used my identity.”

“I did what I had to do for this family.”

“For Emily.”

Silence.

Then, colder than anything:

“You’re already settled. She’s the one with potential.”