I got a notice from the bank about a $600,000 loan I never took out — Then I found out my sister had bought a house in my name. She saw me in the house on the day of the housewarming. The call came on a normal Saturday — sunlight streaming through the curtains, coffee still warm, and a to-do list waiting. Then my phone rang. “Hello, is this Katherine Han?” “Yes.” “This is Henry from Liberty National Bank. We’re contacting you about your $640,000 mortgage.” The pen slipped from my hand. “I think