Original subtitles

- I take you to be my wife from this time forward,

to share all there is to come,

to help and to encourage in all circumstances

in our life together.

[suspenseful piano music]

- Welcome, Libby, into our family.

We wish you happiness, love,

and a wonderful, happy life.

- I thought this is a dream come true.

- Not only do I love Libby very, very much,

but she's my best friend.

- I would have never thought that Ted was capable

of committing such acts.

[tense musical crescendo]

And that was a colossal mistake on my part.

♪ ♪

- It was terrible.

- How do you think you're not going to get caught?

- You wonder, is he really a sociopath?

[tense music]

It was dire, and I felt awful for her.

- Ted told me, "That guy might kill you and our daughter."

♪ ♪

[tense music]

♪ ♪

[tense somber music]

- I'm Andrea Gunning, and this is "Betrayal,"

a show about the people we trust the most

and the deceptions that change everything.

Meet Libby Henry.

She married into a rich and powerful family.

Her husband was handsome, personable, and successful.

Libby was devoted to him,

but she says he was only devoted to himself.

- I always thought Ted would protect me

and that he would never allow something bad to happen to me.

But he did.

I thought we were partners for life.

I never dreamed that he would turn on me like that.

It was as if I was the enemy.

[somber music]

[trumpet plays fanfare]

[upbeat rustic music]

♪ ♪

- I grew up in Louisville, Kentucky.

♪ ♪

My dad sold insurance and my mother was a homemaker.

♪ ♪

Unfortunately, my mother suffered from mental illness.

[somber music]

- They believe she had

borderline personality disorder,

which made Libby's childhood really hard.

♪ ♪

- My mother, she would pretend to kill herself.

And then by dinner, she's fine.

- I never saw her mom soft

or warm towards Libby.

- I could feel that.

I was always trying to get out of the house

and going to neighbors' homes.

- To add stress to the family, they didn't have much money.

- My family life was so chaotic,

I wanted to create a normal one.

[soft upbeat music]

- I met Libby in the first grade.

She was very outgoing, very sociable.

She just had that bubbly personality.

People wanted to be friends with Libby.

- Libby's an attractive girl,

but she never thought of herself as being attractive.

Kind of like the ugly duckling.

She had really thick glasses and a froggy voice.

And then in high school,

she just really blossomed to be the prettiest.

♪ ♪

- I went to the University of Kentucky in Lexington,

and I studied history.

But I never thought, oh, I'm going to have a career.

I just wanted to get married and have a normal family

because I knew mine was not normal.

That was my goal.

- I first met Libby her sophomore year.

We always had fun

and we ended up getting an apartment together.

She's very pretty,

so she was never lacking for dates or a boyfriend.

♪ ♪

- In August 1991, I went to the Big Blue Bash,

which is a big party to kick off football season.

And one of my girlfriends told me about a guy

that she knew was in one of my history classes.

His name was Ted House.

And she said "He'd really like to go out with you."

I knew who he was because he was very tall,

like 6'4" tall, so, you know, stood out.

A very good-looking guy.

Really cute smile, dimple, blue eyes.

Kind of a Ken doll. That's what I thought of him.

[energetic rock music]

And later that night, we were at a bar,

and Ted was there.

He approached me

and he started talking about the history syllabus.

♪ ♪

So it didn't impress me at first.

I was kind of bored.

And then Ted called me on the phone a few days later

and asked me to go out.

♪ ♪

He took me to a French restaurant.

When he was there, he wasn't that dull guy anymore.

I mean, he had all this personality

and was very charming and I was like, OK, now I like this guy.

[peaceful music]

- After their first date,

I come out and she's, like, peeking through the blinds,

watching him walk down the walk.

And I was like, what are you doing?

She's like, oh! You know?

And really embarrassed and flustered

that I'd caught her, like, watching him.

But she had been super excited about the date

and really liked him.

- Ted was in my fraternity.

Sharp, smart guy, very confident.

- Ted came from a well-to-do family in Indiana.

He had gone to private schools,

drove nice cars, had nice clothes,

was used to nicer things in life.

- Ted came from a very politically connected family.

♪ ♪

- The first time I met Ted's parents,

we were at a party for the governor of Indiana.

And that was so intimidating,

because I didn't come from a family like that.

- They didn't let their backgrounds

get in the way of their relationship.

♪ ♪

- I liked that Ted was very close to his family.

His parents were very involved in their children's lives,

and that made me feel like it would be nice

to marry into this type of family.

Ted and I had been dating over a year,

and I think we were 23 and 24.

♪ ♪

I was in my apartment.

And Ted was the kind of guy

that wasn't really comfortable with his emotions.

So he proposed to me by just giving me a big hug

and then on his finger was the ring.

And he got down on his knee and I did say yes.

♪ ♪

It was so sweet because it was so Ted.

♪ ♪

- When Libby told me they were engaged,

I was ecstatic for her,

because we'd always talked about meeting that one,

and Libby had found that one.

♪ ♪

- Ted's parents took us out to dinner

to celebrate our engagement

and his mom presented me with a circle pearl pendant

and that meant I was part of the family,

that the family was a circle.

And I liked that.

I liked feeling a part of something.

[suspenseful music]

- As wonderful as Ted seemed,

Libby still saw some troubling signs early on.

He was the kind of guy that was easily irritated.

- When we got engaged, we had an argument where he was

angry in a way I hadn't seen before.

It stunned me.

I thought maybe he's not the right person for me.

Problem was my mother was so upset.

She's like, you know, the invitations have gone out,

and what will everybody think?

And that's the way she was growing up.

But she made it very obvious

that if I called off the engagement,

that wouldn't be very acceptable.

- The biggest thing everybody's been asking me about is

are you nervous?

And I'm not really that nervous.

I'm more nervous speaking to you all now

than I am about getting married, actually.

[laughter]

I met Libby almost two years ago.

It was on my roommate that I had to meet her,

and that worked out.

Libby, I love you very, very much.

You are my best, best friend.

I love you. all: Aw.

[applause]

- Our wedding was a big wedding.

It was, to me, very elaborate,

nothing that I thought I would ever have.

- It was beautiful. It was a perfect June night.

- Libby and Ted, this is Christine, as you know,

and I just want to let you know that I wish you both many years

of happiness and success.

- I had a lot of fun and I was so excited at the end

to be Mrs. Edward House.

I'll just tell Ted that I love him very much.

I felt very proud.

I thought I was going to have the life

that my parents never did.

This is a dream come true.

I just thought everything was just going

to magically unfold for me.

And for a while, I kind of felt like it did.

- It is not the question of what will happen to you,

but it is a question of how you will face what happens.

You will face it together.

- Unfortunately, it would fall apart later.

After we got married, I got pregnant

When we had our daughter, I thought, I've got my family.

Like, I'm on my way.

- When their daughter was ten months old,

Ted got a job in the mortgage industry.

♪ ♪

- Ted excelled in that business.

He was their top producer and I was working full-time.

And then I woke up one morning

and I started to get a bad, sharp pain in my lower back.

[tense music]

And I started to have pain chronically.

Nothing alleviated it.

♪ ♪

Really, it was that my lower level of my back.

It had deteriorated.

I had the spine of somebody 60 years old

and I was in my 20s and I needed a spinal fusion.

I had three back surgeries in three years.

[somber music]

- Because of Libby's issues with her back,

she couldn't sit for extended periods of time,

and that made work pretty much impossible for her.

- Ted said that he made enough money

for me to be a stay-at-home mom.

But looking back,

I did not keep an iron in the workplace fire

so if anything ever happened,

I could always rely on myself, and I didn't do that.

Ted took care of everything.

As far as paying bills, our taxes.

I had a checking account

and he would put money in that checking account.

He oversaw all of it.

- Libby was blissfully ignorant of what their finances were.

- And that was a colossal mistake on my part.

- At this point,

Ted is a very successful mortgage loan officer.

So successful, he decides to start a side business

flipping houses, and that becomes really successful too.

- They were members of the country club.

They traveled a lot.

- We were going to Costa Rica.

We were going to Martha's Vineyard.

We were able to just take off and go places.

I finally had that life that I wanted,

that I dreamed about in high school.

And I was happy.

- Ted was always busy juggling family life

and flipping houses,

but he appeared to be handling it like a pro.

For a while, anyway.

- In 2002, there was a house for sale in Indian Hills.

[suspenseful music]

- Indian Hills was one of the nicest places

that you could live.

The area is great.

The homes were very expensive, very hard to get in.

- Ted bought the house and we put our house up for sale.

And I was kind of surprised,

because he sold it to his business partner,

Khalid.

I met Khalid a couple of times and he was an imposing figure,

a giant man.

♪ ♪

- Ted had searched for me.

Heard that I was active in the West End,

and he was looking to get into different areas of the city.

- Ted said that Khalid was very good at flipping houses,

but some were in bad parts of town

and Khalid was from the area of town where these houses were.

♪ ♪

- What I was supposed to do

was finding properties, buyers, sellers,

and I take them straight to Ted.

And we closed a lot of deals.

- Once we had settled into the house in Indian Hills,

we started renovations.

And then all of a sudden,

Ted started to experience what he called work stress.

[tense music]

Things would aggravate him

that didn't used to aggravate him.

It wasn't like it was one day.

Everybody has a bad day.

This was all the time.

- There appeared to be some cracks in the marriage.

Ted was a great guy, wonderful, wonderful father,

and then there was a switch

and Ted became somebody that she didn't recognize anymore.

- It was like he was in a panic all the time.

He would wake up at like 3:00 in the morning

every single morning.

He would be on the computer.

I'm like, what is so pressing?

And that would anger Ted very quickly.

And he would start belittling me,

yelling at me, calling me names.

- He just always blamed it on the stress of work,

and she had absolutely no idea to the extent

of what he was even talking about.

♪ ♪

- One day, he had his hands resting on the sink.

He looked like he was crying.

And he goes, he's gonna screw me over.

I don't know what that Khalid will do.

And I go, I'm not sure what we're talking about.

What do you mean?

And he looked at me and he goes,

that guy might kill you and our daughter.

- When Ted told me what Khalid might do, I was terrified.

[tense music]

And I didn't think I heard that right.

I go, what do you mean when you say he could kill us?

And Ted just said,

he's got me involved in something.

And I kept asking, why would you think

somebody that you work with,

that you like and you say is successful,

would want to kill your wife and daughter?

But he didn't explain it.

He just said, I'm going to go to the office, and he left.

I was so shocked and I didn't know what to do.

And I start just a flood of emotion.

I'm just crying.

♪ ♪

- She called Ted's parents.

If there was anyone that was going to be concerned,

it would be them.

- I was so panicked,

I could barely get through the conversation.

My heart was beating and I was expecting

this reaction that was dramatic, the way I felt.

But Ted's mother wasn't like that.

And she said, we talked to Ted.

She goes, Khalid didn't say that.

It's just Ted got scared.

And he realizes that he's been consorting

with somebody he shouldn't,

and he was just not going to do business with him anymore.

And I believed that.

But I felt like my mother-in-law was saying to me,

don't step out of line.

Toe the rope here.

And I did.

- I don't know why Ted chose to do that.

He knew he was lying on me.

I would never come for Libby or anybody else.

♪ ♪

- After a period of time, Ted seems to change.

[peaceful music]

- It seemed like the work stress dissipated.

And I didn't know if that was because

Ted and Khalid had parted ways,

because he refused to talk to me about it.

But he was more laid-back

and we were having a better time together.

♪ ♪

But then Ted got angry at me at an antique mall

because I bought this antique platter.

And I don't think it was very much money, maybe like $50.

And he threw such a fit about this platter.

He exploded.

I just didn't understand how we bought this house

that was close to $1 million,

and he cared about this platter.

And I had on my sunglasses

and he got so mad that he ripped them off,

crumpled them in his hand, and threw him out the window.

And that cut the side right here on my nose.

He was just escalating.

♪ ♪

- She certainly was feeling the brunt of Ted's irritability

and his outbursts.

She knew definitely that things weren't right.

- One night, Libby was watching a program on TV

and she heard this woman's story

about her white-collar husband

keeping her in the dark about finances.

And Libby saw herself in that woman,

and she started asking Ted questions.

- I decided that I wanted Ted to make a folder for me

explaining where all our money was,

all the bank accounts, and he wouldn't do it.

And I couldn't understand.

And I kept asking him

and he would get madder

and madder and madder at me about it.

And it got worse and worse and worse.

And then one day, he got so angry at me that he leaves,

and it was three days before Christmas.

♪ ♪

Ted moved into an apartment

and I stayed at the house with my daughter.

- I was shocked when Libby told me that

they were getting separated

because they had such a good marriage as far as I thought.

[somber music]

- One day when my daughter was at school,

he charges in the house

and he tells me that we were in financial trouble,

that he had made some bad business decisions,

and that we were going to need to sell the house.

[clock ticking]

We put our house up for sale very quickly.

I was crushed.

I put my heart and soul into renovations on that house.

It was humiliating.

If he needed money,

I would have thought he would have gone to his parents.

But he said that he didn't want to

and he wouldn't tell me why.

And then Ted told me that

we needed to go see a bankruptcy attorney...

[tense music]

That we were going to have to file bankruptcy

and there would be complete liquidation.

I couldn't believe it.

I just didn't know

how much worse it was going to get.

T ed and I had been married for 12 years

and we just could not get along.

♪ ♪

But when we were separated,

I thought some time away

would bring some sort of clarity to him

where he would understand

why I needed to know about our finances.

But we just ended up putting our house up for sale

because of what he called bad business decisions.

♪ ♪

- She was cut off financially.

Ted was handling all the financials.

She had $11 in her bank account.

- Libby confronts Ted

and she asks him for money for groceries.

- Ted told me to use our debit card,

and when I went to pay, there was no money there.

It wasn't just to feed myself.

It was to feed our daughter.

And I called Ted and he said, "Get a J-O-B, bitch."

[tense music]

- Sure, someone needs a job.

What bothers me is the cocky attitude.

Are you just going to leave them high and dry

and laugh about it?

Yeah, that's exactly what he did.

It's puzzling.

- I couldn't understand the way he treated me.

And things just continued to get worse.

I was like, I'm going to file for divorce.

♪ ♪

- Shortly after filing for divorce,

Libby starts getting calls from creditors.

♪ ♪

There are accounts that were opened in her name,

such as car loans and credit cards

that she had never opened, never signed for.

♪ ♪

- Before we separated,

Ted had gotten me an SUV that I loved.

♪ ♪

One day, Ted had come to the house and he said,

there's something I left you back in the guest bedroom.

♪ ♪

I walked back there.

There's nothing there.

And when I came out, Ted had taken my car.

♪ ♪

He didn't care. He had no remorse whatsoever.

No worry about taking care of his family.

- The bank called me and said they were looking for that SUV

that Ted took because they want to repossess it.

And I told the representative what happened,

but he said, you better locate this vehicle.

You're the guarantor.

I go, I never signed anything.

He goes, I have the paperwork.

So I got a copy and I see my name,

except it's not my signature.

It was forged.

I said, that's not my signature.

He did not care.

He's like, well, you were married.

But I did not give up my identity at the altar.

It doesn't matter that I was his wife.

I didn't sign it.

I don't know what happened with that SUV,

but finally, at some point, the bank stopped calling me.

[tense music]

One day, I came home to find

Ted standing by the kitchen table.

And he said, I've called my attorney,

and I've told him that I've called off the divorce.

Then he said, I wrote this letter to you.

And in that letter,

he's telling me how much he loved me,

how he wanted to stay together,

how he would make sure

that I knew all about his business practices.

He said, I will educate you. I will show you.

Really, everything I was asking for,

all that was in this letter.

[soft suspenseful music]

By the time he asked me to come back,

being apart from him

gave me a little confidence that I didn't have.

I wasn't getting berated anymore.

I said, you know, Ted, I'm not going to stay married to you.

We ended up getting divorced on September 14th, 2005.

♪ ♪

In the divorce settlement, Ted's parents had a condo,

and I was going to be allowed to live there just two years

and I was going to get child support.

The child support started at $1,200 a month

and Ted got it reduced.

♪ ♪

To $149 a month.

Not a week, a month.

- That was obscene.

[tense music]

- That's maybe a week's worth of groceries,

so she was always trying to scrape by.

- My life was on fire.

I just couldn't understand what was going on with Ted

and why he had no money.

♪ ♪

- Libby realized that

she wasn't going to get answers from Ted,

but she knows that she can go to the Louisville rumor mill.

Someone's got to know something here.

And she was right.

It was a friend's husband who was an attorney

that said, hey, he's being investigated.

[tense music]

- He said Ted was being investigated by the FBI

because he's involved in a fraud scheme.

♪ ♪

I was so shocked. I couldn't make sense of it.

♪ ♪

I asked, Ted, are you being investigated by the FBI?

And he goes, if I go down, I'm taking you with me.

You're a co-conspirator. And I'm like, to what?

- Ted and I had had an altercation

when I asked him if he was being investigated by the FBI.

[indistinct shouting]

And he had told me that he was taking me down.

And he'd never threatened me like that.

It scared me.

So I called an attorney,

and he said that we needed to talk to the FBI.

And then he took me to the U.S. attorney's office.

They asked me some questions.

And of course, I said,

I don't know, you know, much of anything.

And they said Ted's involved in mortgage fraud

and he was in very serious trouble.

I'm like, that's what this was the whole time.

♪ ♪

So I pulled out, you know, the letter.

- Libby was trying to show the investigators

that the letter that Ted wrote to her to get her back

actually proved she didn't know anything.

[tense music]

- And then the agents left the room.

And that just felt like an eternity

'cause I didn't know what they thought of me.

And I was so nervous.

♪ ♪

And then they came back in and the lead agent says,

you're only guilty of trusting your husband.

[tense music fading]

I mean, it was like a sigh of relief.

[tense music]

- The investigation into Ted's crimes

was part of a much broader effort

by the FBI to investigate mortgage fraud.

We were having a housing boom across the country,

and then mortgage rates went very low.

So it became so competitive

that the underwriting standards got loosened.

So this was a new fraud,

and it's a document-heavy investigation.

It can take years sometimes.

♪ ♪

- In July 2007, Ted was charged

with conspiracy to commit mortgage fraud,

bank fraud, and wire fraud.

These charges could yield a sentence of 18 months

to 8 1/2 years.

- White-collar crimes are crimes of greed, not need.

Ted was college-educated.

He was well-known in his community.

His parents, you know, well-established family.

He had connections. He had money.

He could have gone off and made a legitimate life

for himself and his family.

But fraud was a path he chose to take.

- Ted got greedy and he didn't have to.

A lot of the people that use drugs

or they got a gambling habit.

I never saw that with Ted.

Ted was drunk off of money.

- I still didn't understand

the full scope of what he had done.

But what I did learn is that

Ted had never cut off relations with Khalid.

And he, too, was indicted along with Ted.

- I saw no red flags up front.

But I remember one time,

we got a loan done that I didn't think would go through.

And I'm saying, what lender did we use for that?

Ted said, don't even worry about that.

We did something that we're only going to do once.

I shouldn't have, but I closed my eyes on whatever it was

until the indictments start coming out

and I'm like, ah, come on, bro.

♪ ♪

Ted falsified documents that had nothing to do with me.

♪ ♪

- Ted would buy a very cheap house,

usually in a depressed neighborhood,

then resell the house at a very inflated price

and get what's called a straw buyer

to go in and sign the paperwork.

- It's simple.

A fake buyer signs documents to buy a home

for much more than it's worth.

- Ted would get that fake buyer approved for a fake loan

using fake documents, and a fake appraisal.

So he could buy it for 30,000

and then he would have this fake loan approved

by the lenders that he worked with.

He was a mortgage loan officer.

And he would get that loan approved

as if the house was valued at $75,000.

It's really only worth 30,000.

So he would get 75,000 bucks.

He would then pay off that 30,000

to the real guy he actually bought the house from.

And then there's $45,000 left

and he would pocket the difference.

♪ ♪

- We don't do it once.

We do it again and again and again,

and sometimes two or three of these

were happening within a week.

Ted made millions of dollars

through these fraudulent transactions.

♪ ♪

- When the first payment comes due,

that straw buyer disappears,

so eventually, the banks are experiencing losses

and they refer that over to the FBI.

- I think that he thought because of who he was

and the connections he had

that I can do what I want

and there's really no accountability.

- Most people are embarrassed getting caught in a crime,

but this emboldened Ted.

You know, he thought of himself as almost a celebrity.

- I asked him why, how--

I wanted him to tell me something

because it affected me and my daughter

and it affected my life profoundly.

But never, never would say that he did it.

Never.

[tense music]

♪ ♪

Some people would talk about him in front of me like,

oh, he just made a mistake at work.

And I'd think, a mistake at work?

My whole life has been upended.

And then I also remember getting asked a million times,

you didn't know?

I hated that question.

Yes, I knew. I knew all about the fraud.

You want to go to lunch now?

♪ ♪

- Libby learned that she wasn't alone.

She found a community of other women

that were married to white-collar criminals,

and there were a lot of them.

- Libby and I met through this great support group

that she has helped me cultivate

for innocent spouses.

The support group is now 150 members-strong

on five continents.

The majority of us lived middle-class lives,

but the white-collar criminals we tend to hear about

are the big, big-deal guys, the Bernie Madoffs,

but there's 5,000 white-collar cases indicted a year.

♪ ♪

And then when the husband has been indicted criminally,

these women are so stigmatized.

- I was a social pariah.

People no longer

make eye contact with you in the grocery store.

And phone stops ringing.

They didn't understand.

♪ ♪

- And I think that initially,

there's kind of this justification that perps make

that, oh, I'm doing it for my family

to make their lives better.

It's going to be for them.

But looking at all the detriment,

all the horrors, all the disasters

that this has caused, everybody pays the price.

You're doing it to your family.

Your actions puts them in dire straits financially,

emotionally, physically.

- Being tried in the court of public opinion

is one of the worst things

because you're sentenced by them,

but you never get a chance to speak for yourself.

♪ ♪

And then I found out even more stuff that Ted did to me

that would add a whole new layer to my life

that was already falling apart.

- In my mind, I thought, oh, there'll be a trial,

and I'll get to see how this started.

But I was never in a courtroom,

because there was never a trial.

Because in the end, Ted pleads guilty.

Ted could have been sentenced to 8 1/2 years.

- Ultimately, Ted was sentenced to 18 months

and 3 years' probation.

♪ ♪

- He got the minimum, and he was very happy about that.

He told me that everyone clapped.

I felt like he was like the hero, you know.

Yay, Ted.

And I thought, you destroyed my life.

- He orchestrated all of this stuff

with all these different parties,

and he only did 18 months.

Isn't that crazy?

- Khalid also pled guilty

and was sentenced to 25 months in prison.

- In the mid-'80s, I jumped into the drug game.

I did time in prison.

And so I was facing 1,040 months.

- If you cooperated,

then you took that sentencing guideline down.

- I went ahead and pled guilty.

So I accepted responsibility.

The judge said, we know you didn't do this,

but you had some knowledge of something somewhere,

and that was a correct statement.

- While Ted was in jail,

Libby was trying to rebuild her life.

She had no money.

[somber music]

And in a moment of desperation,

she called Ted's mother

and asked for financial assistance.

- $300 a month to help pay for our daughter's school.

And her exact response was, no, you're getting $149.

That's what the courts say.

- I think they figured Libby's got her own,

you know, family, and they'll take care of her.

So that was kind of a closed door to her.

- I just felt so betrayed. I did.

♪ ♪

In the middle of my daughter's high school years,

Ted would get out of prison.

♪ ♪

And he was out having the best time in Louisville.

It's almost like I got a prison sentence

much longer than he did

because I watched him just climb easily right back up.

Not so much for me. I never financially rebounded.

♪ ♪

Ted always had a roof over his head.

He moved right into his parents' condo,

driving his Mercedes, driving a Range Rover.

- He was laughing about it and living the big life.

♪ ♪

- I believe people can change.

I don't know with him.

I've not spoken to him in ten years.

That's because years after he got out of prison,

I would find out that he used me in his fraud scheme.

♪ ♪

A friend called me and said, Libby,

you might want to check on land deed records.

You might find yourself there.

So when I did, I saw the deed

and I saw my name.

It said Libby House.

I knew that wasn't my signature.

My legal name is Elizabeth.

I never sign my name Libby on any legal document.

And it was notarized.

And I see tons of deeds with my forged signature.

And I thought, oh my God, this makes so much sense.

That's why Ted, all those years ago,

was saying you're a co-conspirator,

because he made me one.

On paper, it looked like I helped facilitate that fraud.

I just couldn't understand it

because, you know, there's a closing.

You have to present IDs. I wasn't there.

I called the notary specifically,

and she told me that someone had to have impersonated me.

And then she said, I'm going to have to get a lawyer.

And I was like, well, do that. - Yeah.

- After Libby started discovering all of this,

she fought for eight years to get an amendment to the deeds.

It states that her name was forged.

- In order to amend the online deeds,

you have to petition the court to do that,

because they're the holders of the records.

I applaud Libby for doing that,

because that's not easy to do.

- Ted, man, when he was saving himself,

he sacrificed everything and everybody around him.

Coward.

We had a good business, and we made some good money.

He didn't have to do the deception and the deceit,

the lies, and the betrayal.

Now, as far as Libby, she had his back.

She loved that man.

I'm sorry that she had to go through that.

[somber music]

♪ ♪

- Financial crime is extremely invasive.

I mean, her credit was completely destroyed.

She had no money.

Employers would run her credit or could do a background check

and see everything that was going on,

and so they didn't trust her.

♪ ♪

- I felt bad about myself for such a long time,

but I feel good about myself now.

I have a job today.

I wrote a book,

because my story's a cautionary tale.

Being financially illiterate was horrible.

[soft upbeat music]

- You put a lot of trust in Ted.

- I did. I put a lot of trust.

I didn't plan for anything bad to happen.

You need to think ahead.

You need to rely on yourself.

♪ ♪