At the time, I was in the middle of preparing an IV for a patient.

I had assumed it was a scam call and told her she had the wrong number before hanging up.

Now, a cold sweat broke out on the back of my neck.

I looked at the kitchen table.

There was a stack of mail sitting near the fruit bowl.

Usually, Rylan brought the mail in.

Lately, he had been very insistent on checking the mailbox before I got home from my shifts.

I walked over to the stack.

Most of it was junk mail and circulars.

But tucked near the bottom was an envelope from a local bank we didn’t use.

The envelope was addressed to both of us, but it had already been opened.

I pulled out the letter inside.

It was a notice of account creation.

I frowned, looking at the date.

It was dated two months ago.

The letter welcomed us to our new home equity line of credit.

My heart did a slow, heavy roll in my chest.

We didn’t have a home equity line of credit.