I set down my coffee. “I stopped guaranteeing your business debt.” Eight years earlier, when Declan’s catering company was barely surviving, I had pledged part of my investment account as collateral for a revolving credit line. He promised it would be temporary. Instead, the facility grew with his company, and because I never mentioned it, Declan gradually began acting as though the bank trusted him entirely on his own. His annual renewal was approaching, and the agreement allowed me to refuse any continued guarantee.
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