Your mother is crying so hard you can barely understand her.
You stand in the half-packed living room of your new apartment, surrounded by open boxes, rolls of tape, and the cheap standing lamp you bought because it was the first thing that made the place feel less empty. The bruise on your cheek has already turned yellow at the edges, but the memory of your father’s hand still burns fresh under your skin. You grip the phone tighter and stare at the cream-colored wall in front of you as if it might steady you.
“What papers?” you ask.
“I don’t know exactly,” your mother says, her voice breaking. “The man from the bank said there are signatures… your signatures. Rogelio said it was a misunderstanding, but they were asking questions, Vale. Serious questions. Please come. Please.”
For a moment, you almost hang up.
Not because you do not care, but because you know this family too well. In your house, emergencies have always had a way of becoming your responsibility. Camila’s tuition, Camila’s rent, Camila’s panic attacks before exams, your father’s bad temper, your mother’s endless talent for sounding helpless only when she needs something from you. You have spent years being dragged into storms you did not create.
But this time they said your name.
You end the call, grab your folder of apartment papers, and head straight to the bank branch whose name your mother texted you. The whole drive from Portales feels unreal. Afternoon traffic crawls under a gray Mexico City sky, horns blare, vendors weave between cars, and none of it seems loud enough to match what is pounding in your chest.
When you arrive, the branch manager refuses to tell you much in the lobby.
He is polite in the way people get when they know something ugly is sitting between two chairs. He asks for your ID, checks your information twice, then leads you into a small office with frosted glass walls. He folds his hands on the desk and looks at you with the measured expression of a man trying not to say too much too fast.
“There are two loans associated with documents bearing your name,” he says.
You feel all the air leave your body.
“What loans?”
“One personal line of credit from fourteen months ago. And one co-signed educational financing agreement from seven months ago.”
“I never signed any loans.”
He slides copies across the desk.
You look down, and your stomach twists so hard you think you might throw up right there on his polished floor. Your name is on both contracts. Your address from three apartments ago is on one. On the second, the contact number listed is your father’s cell phone. The signatures look close enough to yours that a stranger might accept them, but you know the shape of your own hand, and these are wrong in the places that matter. Too careful. Too rehearsed.
“That’s not my signature,” you say.
The manager gives a slow nod. “Then you need to file a fraud report immediately.”
You stare at the numbers.
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