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She sent him a text message two weeks ago, saying that she was embarrassed to see the family because of money problems.
She said she wasn't coming home any more.
The message ended with "love you all".
And that was the last Adam heard from his wife of seven years, Lina.
But that wasn't all.
Lina, 29, a nursery school teacher, also left Adam and their two young children a mountain of debts.
Said Adam, 32, an operations executive: "Credit companies started coming to my house the day after she left. I started receiving fliers from them."
"Last week, on Wednesday, loan sharks painted a warning at my lift lobby. It said 'O$P$'."
"There was also my unit number, my wife's name, and an unknown phone number."
The couple live in a four-room HDB flat on Yishun Ring Road.
Lina's disappearance has left everyone on both sides of the family worried.
Adam's mother, Madam Zainah, 51, who is self-employed, said: "She owes money to almost 20 credit companies. We don't know if there are any more.
Huge debts
She added: "We still don't know exactly how much money she owes."
"Her parents worry that she isn't coming back."
"But I worry because my son is the one who has to take care of the debts."
"She also took out a $15,000 loan from a bank. I think she owes more than $30,000...She hasn't even made one payment."
"The credit companies call Lina's mother every day (she must have given them her mother's number), but she (Lina's mother) can't handle it."
"So my husband takes the calls. It's very stressful for him. It's very hard on the whole family."
All names have been changed to protect the identities of Lina's children, a seven-year-old girl who is in Primary 1 and a six-year-old boy who is in K2.
Adam said he received the shocking text message from his wife on June 27 at 11.40pm. He tried calling her, but her mobile phone was turned off.
His wife, a nursery school teacher, earned about $1,400 a month. She was sacked from her job after her disappearance.
Adam said he had no idea why Lina was so heavily in debt.
So far, he has calculated that she had borrowed more than $30,000 from both legal and illegal moneylenders. The largest sum she had borrowed from a single moneylender was $2,000.
He insisted that she did not have a history of gambling. And he never suspected that anything was wrong.
He told The New Paper: "(In the seven years we've been married) we have never quarrelled about money before."
He added: "The Friday before she left, we even went out as a family...We went to the zoo and everything was normal."
On June 29, Adam filed a missing person report with the police.
Said Adam: "I did try looking for her at nightspots like Clarke Quay and Orchard Towers, but didn't have any luck."
He said Lina had used a StarHub prepaid SIM card to text him after she left.
Her mobile phone line, which was active before, is no longer in use following her disappearance. Other than her mobile phone, Lina didn't take any of her belongings with her.
"She didn't take anything. Her laptop, which she uses every day, is still here. Her passport is still with me," he said.
But Adam said that his wife was "secretive" and admitted that, despite having been married all these years, he never really knew her well.
He said: "She never introduced her friends to me. I was the one introducing my friends to her."
Lina also loved to party, and would go to clubs with her husband and his friends both before and after they were married.
Said Adam: "I quit drinking and partying two years ago for my mother's sake, and maybe it wasn't enough for her. Maybe she went out without my knowledge."
After her disappearance, Adam found out that his wife had borrowed from her own family as well.
Lina's sister, Nora, 31, an administrative executive, said: "The sums she borrowed were sometimes small, sometimes large. The last time, she borrowed $1,100."
"Sometimes, when she couldn't get the money from me, she would go to our mother."
Lina had told her family that she was taking night classes to obtain a diploma in Early Childhood Care & Education at Temasek Polytechnic.
Nora said: "She told me that she was using the money to pay her school fees."
"But there was a period of time when she kept asking for money every week...I know that the school can't possibly be asking for fees every week."
Adam said that Lina would go for the night classes five nights a week, but it was only after she left that he found out that the classes ran only three times a week.
Said Madam Zainah: "We don't know what she was doing the other two nights. We suspect a third party isinvolved."
'Had affair'
She said: "Actually, my son caught her having an affair with another man. I persuaded him to take her back...Now I regret it."
Adam said: "This happened two years into our marriage. When I caught her having an affair, I had my own affair."
"Then we decided to start anew."
He said: "But now, I'm just puzzled and angry. I don't know why she needs all this money."
"I've never touched her payslip before and she's not that kind of girl to be into branded things."
Lina's disappearance has also affected her children.
Said Adam: "My mother and in-laws have been telling them that their mother is working overseas."
"They're still young, but I think my daughter has started to suspect that something is wrong."
"She isn't concentrating in class...One day, she just took her bag and tried to leave school on her own. Luckily, the security guard stopped her in time."
Lina's mother has also been stricken with worry and has not been able to eat or sleep since her daughter's disappearance.
When TNP chatted with the family on Saturday, Lina's mother appeared subdued and dabbed her eyes with a piece of tissue every now and again.
With her daughter Nora translating, she said in Malay: "I just want her to come home."
Adam said: "Our son's birthday was on July 1. She didn't call or anything. It's like she doesn't love her children."
"I just want to say to her, even if you don't think about your husband or your parents...think about your kids."
