The throbbing in her head wasn't just pain. It was a rhythmic, heavy hammer striking the inside of her skull, counting out the seconds of a life she couldn't remember.
Chanel opened her eyes. The room was aggressively white. Sterile walls, crisp sheets, and the sharp, chemical smell of antiseptic that burned the back of her throat. She tried to push herself up, but her muscles screamed in protest. Her arms felt like lead weights, and a dull ache radiated from her ribs.
A nurse bustled in, checking the IV drip with rough, impatient movements. She didn't look at Chanel's face. She looked at the machine.
Where am I? Chanel asked. Her voice was a dry croak, like sandpaper dragging over stone.
The nurse scoffed. She didn't answer. Instead, she placed a metal clipboard at the foot of the bed with a sharp, dismissive clatter. It slid slightly, coming to a rest against Chanel's shins.
Insurance information or a credit card, the nurse said, tapping the paper. We need a card on file before the doctor comes back.
Chanel stared at the clipboard. The lines on the paper blurred. Name. Date of birth. Address. Her mind was a terrifying, blank expanse of white, matching the walls. She reached for a name, a memory, a face, but found only fog. She didn't know who she was.
The door to the room swung open with violent force, slamming against the rubber stopper on the wall. The bang made Chanel flinch, her heart hammering against her bruised ribs.
A man strode in. He was beautiful in a way that felt practiced. His suit was bespoke, navy blue, and tailored to within an inch of its life. His hair was perfectly gelled, but his face was twisted into a mask of cold fury.
A woman followed him. She was clinging to his arm, her fingers digging into the fabric of his expensive jacket. She wore a floral dress that looked soft, and her expression was one of exaggerated concern, her eyebrows pulled together in a way that didn't quite reach her eyes.
Chanel's eyes widened. She waited for a spark of recognition. There was nothing.
The man stopped at the foot of the bed. He looked down at her not with worry, but with the kind of disgust one reserves for something stepped on in the street.
The woman leaned up, whispering something into his ear. She glanced at Chanel, offering a sad, pitying smile that made Chanel's skin crawl.
Stop the act, Chanel, the man announced. His voice was deep, commanding, and utterly devoid of warmth. The accident won't save you this time.
Chanel frowned. The confusion was a physical weight in her chest.
Who are you? she asked.
The man laughed. It was a harsh, barking sound. He looked at the woman on his arm, shaking his head.
Incredible, he said. You are actually going to commit to this? You think pretending you don't know me will make me forget you stalked me halfway across the Hamptons?
He leaned forward, gripping the footboard of the bed until his knuckles turned white.
We are done, Chanel. The engagement is over. Effective immediately.
Chanel felt a phantom pain in the center of her chest. It was an echo of an emotion she couldn't place, but her logical mind processed the data instantly. This man was her fiancé. He was leaving her. And she was unwanted.
You crashed your car chasing me, he sneered. Like a pathetic gold digger terrified of losing her meal ticket. Well, you lost it.
The woman stepped forward, smoothing the front of her dress.
Beckham, please, she said softly. We just want you to get help, sister.
Sister. Chanel looked at the woman. This stranger was her blood? She searched the woman's face for any similarity, any pull of familiarity. There was only a void.
Beckham reached into his pocket. He pulled out a business card. It was black, thick cardstock with gold embossing that caught the harsh hospital light.
He flicked it onto her lap. It landed face up next to the clipboard.
If you need money so bad, call him, Beckham said. He handles the family's charity cases now.
Chanel looked down. The name was embossed in sharp, serif font: Duke Montgomery.
A shiver ran down her spine. It wasn't cold. It was a primal, instinctive spike of fear. She didn't know the name, yet her body reacted to it as a threat.
Beckham wrapped his arm around the woman-Isamar. He pulled her close, kissing the top of her head while staring directly at Chanel.
Isamar is the only woman in your family with any dignity, he declared.
Isamar leaned into him. Over his shoulder, she shot Chanel a look. It wasn't pity anymore. It was a smirk. A small, triumphant curling of the lips that vanished as soon as Beckham looked down at her.
Let's go, Beckham said.
They turned and walked out. They didn't ask a doctor about her condition. They didn't look back.
The nurse returned to the bedside. She had been watching the entire scene from the doorway. Her expression had shifted from impatience to open contempt.
Cash or credit? the nurse snapped. We don't run tabs for ex-fiancées.
Chanel picked up the black card. Her fingers trembled slightly, not from sadness, but from the shock of the adrenaline crash. The edges of the card were sharp enough to cut skin.
She realized, with a cold, sinking clarity, that this piece of cardstock was the only lifeline she had in a world that had just discarded her.
The silence in the room was heavier than the noise had been. It pressed against Chanel's ears, amplifying the rhythmic beep of the heart monitor.
She waited for the nurse to leave, but the woman stood by the computer, tapping her foot. Chanel reached for the bedside phone. Her hand shook, the plastic receiver feeling slippery in her palm.
She looked at the black card again. Duke Montgomery. The name felt dangerous.
She dialed the number. She recited the digits in her head like a prayer she didn't believe in.
The line rang once. Twice.
Montgomery Private Office. State your business.
The voice on the other end was male, professional, and icy.
Chanel cleared her throat. Her voice was raspy, weak.
I... I was told to call Duke Montgomery.
There was a pause. She could hear the man on the other end typing.
Another reporter? the voice asked, dripping with boredom. Or a creditor?
No, Chanel said, trying to sit up straighter to project some authority. Beckham gave me this card. He said-
Mr. Montgomery does not take calls from Beckham's cast-offs, the man interrupted. Do not call again.
The line went dead. The dial tone hummed, mocking her.
Chanel stared at the receiver. Panic flared in her chest, hot and suffocating. She hung up slowly.
Billing needs a card on file, the nurse said loudly. Now. Or I call security to escort you out.
Chanel saw a clear plastic bag on the chair. It was labeled Patient Belongings. She reached for it, her movements stiff. Inside was a ruined clutch purse. She dug through it and found a wallet.
She pulled out a sleek, platinum credit card. The name on it read Chanel Maldonado.
She handed it to the nurse.
The nurse swiped it through the reader attached to the computer monitor.
A loud, jarring beep filled the room. DECLINED.
The nurse looked at her, eyebrows raised. She swiped it again. harder this time.
DECLINED.
It's frozen, the nurse said. Her voice dripped with judgment.
Chanel felt the blood drain from her face. She took the phone again. She searched the contacts on the screen. There was a contact labeled Mom.
She dialed. This had to work. Mothers helped. That was a universal rule, wasn't it?
Cynthia Maldonado answered on the first ring.
What have you done now? Her mother's voice was sharp, like breaking glass.
Chanel stammered. Mom, I'm in the hospital. My cards aren't working. I don't know what's happening.
You embarrassed us in front of the Montgomerys! Cynthia screamed. The sound distorted through the cheap hospital phone speaker.
Chanel held the phone away from her ear, wincing.
Isamar told me everything, Cynthia continued. You tried to fake a suicide? Driving into a ditch to get Beckham's attention? You are sick, Chanel.
I didn't... I don't remember... Chanel whispered.
I froze the accounts, Cynthia said. Learn your lesson. Don't come home until you fix this with Beckham. Do not show your face here until he takes you back.
The call ended.
Chanel sat there. She was financially and emotionally orphaned in the span of ten minutes.
The nurse crossed her arms. I'm calling security.
Chanel looked at her reflection in the dark screen of her phone. She looked pale, ragged, with dark circles under her eyes. She looked like a victim.
But deep inside, beneath the amnesia and the fear, something clicked. An analytical part of her brain, cold and detached, noted the inconsistencies. Beckham had accused her of stalking him in the Hamptons. Her mother screamed about a faked suicide in a ditch. Two different narratives, both delivered with absolute certainty. The facts didn't align. It was a flawed equation, and it meant that someone-or everyone-was lying.
The cold, logical survival instinct took over. It suppressed the urge to cry. Crying solved nothing. Crying was inefficient.
She looked at the black business card again. It was the only door left open. She had to kick it down.
Chanel took a deep breath. She closed her eyes for a second, visualizing a wall coming down between her emotions and her voice. She could not beg. Begging had gotten her nowhere with the assistant. She had to negotiate.
She dialed the number on the black card again.
Kurtis answered immediately, his tone annoyed. I told you-
Tell Mr. Montgomery I have a financial proposition regarding the Maldonado estate, Chanel said.
She didn't stutter. Her voice was steady, authoritative. She didn't know where the tone came from, but it felt natural, like muscle memory.
There was a silence on the other end. The mention of the estate had triggered a filter.
Hold, Kurtis said.
A click. Then, classical music played. It was heavy on the cellos. Ominous.
A new voice spoke. It was deep, baritone, vibrating with an authority that made the receiver tremble in her hand.
Speak.
Chanel's heart hammered against her ribs, but her mind was clear.
This is Chanel, she said. I need five thousand dollars to clear a hospital bill.
There was a pause. It stretched out, thick and heavy.
You called my private line for pocket change? Duke Montgomery asked. He sounded amused, but darkly so.
I am frozen out of my accounts, Chanel said. I will repay you with ten percent interest in thirty days.
She waited.
Duke was silent. Unbeknownst to Chanel, in a darkened office in Manhattan, Duke Montgomery was looking at a live feed on his tablet. The feed was from the Lenox-Montgomery Clinic, a 'charitable' acquisition his family had made a decade prior. It gave him access to certain... administrative privileges.
He saw her posture. She was sitting rigid, her chin up, despite the hospital gown and the bruises. She didn't look like the weeping, desperate girl Beckham described. She looked like a soldier.
Make it twenty percent, Duke said. He was testing her.
Fifteen percent, Chanel countered automatically. That is the standard high-risk personal loan rate for unsecured debt.
She didn't know how she knew that. The numbers just appeared in her mind, solid and irrefutable.
Duke's lips twitched in his office. A rare, ghost of a smile.
Account details, he commanded.
Chanel read the wiring instructions from the bottom of the invoice the nurse had left.
Done, Duke said. His voice dropped an octave, becoming intimate and threatening all at once.
Don't make me come collect, Ms. Maldonado.
The line clicked dead.
In his darkened Manhattan office, Duke Montgomery lowered the phone. On the tablet before him, the live feed showed the woman in the hospital bed. She looked frail but defiant. A ghost of a memory surfaced-a girl with the same fire in her eyes, laughing in a sun-drenched garden. He traced her outline on the screen with his thumb. "Elle," he murmured to the silence, the name a forgotten secret on his tongue.
Chanel stared at the phone. Seconds later, the nurse's computer let out a cheerful ping.
The nurse's eyes went wide. She stared at the screen, then at Chanel.
The bill... it's paid in full, the nurse stammered. Plus a tip?
Chanel exhaled. Her body sagged, the adrenaline leaving her limbs heavy.
She reached down and unhooked her IV. A bead of blood welled up on her hand, but she ignored it.
I'm leaving, she said.
She found her clothes in the plastic bag. It was a silk dress, torn at the hem and stained with mud and blood. She put it on anyway. She ignored the way the nurse watched her.
She walked out of the room, her head high. She passed the nurse's station without looking back.
In the corridor, she caught her reflection in a glass pane. Her hair was matted, her face pale. She looked like a wreck. But her eyes were fierce. They were the eyes of someone who had just survived the first round.
She exited the hospital into the bright, harsh sunlight of New York. Her phone buzzed.
A notification: Transfer Receipt - DM Holdings.