With a deep breath, I picked up the phone, dialing the number on the letter. The line connected with a click, and an automated voice prompted me through a series of options. I waited patiently until finally, a human voice came on the line. « Thank you for calling. How can I assist you today? » I explained the situation as succinctly as I could, trying to mask the unease that crept into my voice. « I received a notice about a debt, but I’m trying to understand where it originated. » Silence on the other end, then the clatter of keys as they pulled up records. « It seems this amount is linked to a credit card under your joint account, » they said, their tone professional yet distant.
« Is there any way to get more details on these transactions? » I asked, trying to keep the desperation out of my voice. « We can send a detailed statement to your registered email, » the representative offered. I agreed, thanking them before hanging up. My spouse entered the room, casually glancing at the table. « Who was that? » they asked, their expression unreadable. « Just checking on the notice, » I replied, attempting nonchalance. « It just needs sorting out. » My spouse nodded and turned away, leaving me alone with my thoughts.
The email arrived an hour later, a PDF attachment filled with line after line of transactions. Each entry was a puzzle piece, fitting into a larger picture I hadn’t yet fully grasped. I scanned through, noting recurring charges I didn’t recognize. Gym memberships, online subscriptions, and other expenses. My heart sank as the reality of the situation began to take shape.
