Chapter 20 - The money comes back slowly

Elena still had assets.
Townhouse equity.
Brokerage.
Retirement.
Some protected.
Some not.
She agreed to restitution framework:
$612,000 gross improper benefit.
Credits for:
$48,000 legitimate advances.
Certain recovered funds.
Northbridge settlement allocation prevented double recovery.
Criminal restitution order ultimately:
$438,000
directly attributable remaining victim loss after offsets at sentencing stage, subject later civil accounting.
Elena liquidated brokerage.
Sold townhouse.
Not because I forced a fire sale.
Because she needed funds.
She kept protected retirement assets where law required.
Civil judgment covered additional trust losses and fees.
May you like
No one took everything she owned.
Accountability is not confiscation without rules.