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Chapter 9 - THE BANKRUPTCY OF GREED

Over the next three months, the dominoes of the Vance family's destruction fell with terrifying, unrelenting speed.

The news of Richard Vance’s arrest for federal bank fraud, grand theft auto, and felony extortion hit the local Columbus newspapers within forty-eight hours. The mugshots of Richard, Ethan, and Karla appeared on the front page of the Columbus Dispatch, destroying whatever lingering reputation the family had left.

Without Audrey’s credit or David’s assets to bail them out, the financial collapse was absolute.

The bank executed an emergency foreclosure on the 142 Elm Street property. A moving crew under the supervision of the Sheriff’s Department arrived four weeks later, packing up all of Richard and Teresa’s belongings and dumping them onto the curb before changing the locks.

Teresa was forced to move into a tiny, dilapidated one-bedroom apartment on the outskirts of the city, relying on government assistance to survive. Her manicured nails, designer clothes, and arrogant social status vanished overnight.

Ethan pled guilty to Grand Theft Motor Vehicle and VIN tampering to avoid a harsher federal sentence. He was sentenced to three years in a state correctional facility. His wife, Karla, received two years of probation and three hundred hours of community service, while her social media accounts—where she had proudly posted the video of the stolen Mercedes—were weaponized against her in court as primary evidence of criminal intent.

Richard Vance stood trial in federal court six weeks later. Faced with the overwhelming forensic paper trail compiled by Sarah Lin, the forged notary confessions, and the 4K security video of the assault on Audrey, his defense collapsed entirely.

He was convicted on three counts of Federal Bank Fraud, two counts of Wire Fraud, one count of Aggravated Identity Theft, and one count of Felony Assault.

The judge, appalled by Richard’s systematic financial and physical abuse of his own daughter following her husband’s death, sentenced him to twelve years in federal prison without the possibility of early parole, alongside a mandatory restitution order of $960,000.

Claudia was forced to drop out of university after her junior year, as her father’s assets were frozen and Audrey refused to pay another dime toward her tuition. She took a job working night shifts at a local diner, struggling to pay off her own student loans.

Once, two months into his sentence, Richard sent a handwritten letter to Audrey from his prison cell in Kentucky, begging her to drop the civil restitution order so Teresa wouldn't be left homeless.

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Audrey didn't even open the envelope.

She walked out to the metal trash bin behind her house, tossed the unopened letter inside, and closed the lid.

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