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Oh! It's normal for the load files to have other chapter's in their name, that's just to mark where that save file is. 

And that scene is actually a game over that happens when you don't have enough money to pay the interest rates on Catherine's debt at the end of the month. So you'll need to go back before that scene gets triggered at the first day of the month, and if you don't have enough money you can always use the cheat menu to get some more.