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CHAPTER FIVE

Autor: Vee Philip
last update Última actualización: 2026-02-19 14:48:34

“So this is the debtor"

Lance glanced up and his eyes widened at the person standing in front of him.

“R—ragnar," he muttered.

Ragnar raised a brow, his cold eyes scanning Lance's.

“Who knew Ylva's so-called boyfriend would be the person owing me money, I knew you were good for nothing." he paused as looked down at Lance with a scoff “It's disgusting".

Lance was quiet as he took in what was happening, what were the chances that Ragnar would be the boss of the loan sharks.

It was almost funny how messed up his life was.

“Please I just need you to let go of my sister" Lance said, his voice trembling.

Ragnar raised a brow, “So your sister was taken as collateral?, It is your fault for being a pathetic brother and not being able to pay what you owe."

"I said I'd pay it, I was paying it every month, it's not fair that you'd take her” Lance's frustration was boiling up at this point.

Ragnar crouched down to be on eye level with Lance. “And yet I heard you haven't even paid half of it back, is that right?”.

“I'm trying and I promise I will, please just give Tam back to me” Lance pleaded, his eyes filled with desperation.

“I can't just rely on your words” Ragnar placed a figure under Lance's chin lifting it a bit "People lie Lance, they lie a lot, so I don't trust you".

"What do you want me to do? I'll do anything”.

"Hey boss, he's pretty strong. I say we get him to work,” a man said.

Ragnar raised a brow at that, his eyes scanning Lance's body.

“I mean remember when Benny went to the hospital, he was the one who beat him up and Benny was our biggest guy" the man continued with a laugh as he remembered the scene.

Lance grimaced, shooting the guy a “shut up” look.

“Or when our crate got broken? Yeah he was the one too" the man laughed again at the memory.

Ragnar looked at Lance with an eyebrow raised. “Add that to your debt".

“Shit" Lance muttered.

There was a stretched out silence before Ragnar spoke up again, “you could be helpful in some aspects, especially since you did get Benny hospitalized”.

Lance furrowed his brows," but they are criminals, I can't help them” he thought.

" I won't do it,” Lance said firmly.

Ragnar just stood up "then good luck paying back a million before the day ends”. He was just about to leave..

Lance heart raced, what else could he do at this point?He didn't want to work with potential killers but he had no choice.

“ Fine, okay, I'll work for you,” Lance reluctantly muttered.

“Good for you, and maybe you'll finally be a little worthy to be Ylva's boyfriend “ with that Ragnar left

“Well welcome to the team boy, I'm Porto" the shorter man with tattoos who always collected area loans patted Lance on the back.

Lance just looked down like his whole world was ending “I'm a criminal now".

“Heh you'll get used to it" Porto grinned, showing off a gold tooth.

As soon as Ragnar disappeared down the hallway, Porto grabbed Lance by the arm and yanked him to his feet.

“Don’t get it twisted,” Porto said, his voice low

“Agreeing to work for us doesn’t mean you’re in.”

Lance frowned. “What do you mean?”

Porto glanced at him with a smirk. “You still have to prove yourself”

Before Lance could ask anything else he was dragged outside.

A black car waited outside. The door opened, and two men shoved him inside without warning.

The ride was silent.

Lance’s thoughts spiraling out of control. His hands rested on his knees, fists clenched so tightly his knuckles ached.

Eventually, the car slowed.

When it stopped, Lance looked up.

They were in the middle of nowhere.

An abandoned building loomed in front of them.

“Out,” Porto said, opening the door.

Lance stepped out, his stomach twisting.

Inside, the air was damp and cold. The smell hit him immediately, dust, rust, and something sour underneath it all. They kept walking and turned the corner into a room.

Then he saw them

Several people were on the floor.

Men and women, their hands tied behind their backs, mouths gagged, eyes wide with terror.

Lance stopped short.

“What the hell is this?” he asked, his voice barely above a whisper.

Porto turned to him, completely unbothered. “This is your test.”

Lance’s heart began to race. “Test for what?”

Porto gestured lazily toward the people on the floor. “Pick one.”

Lance stared at him. “Pick one… for what?”

Porto smiled.

Before Lance could react, Porto reached into his jacket and pulled out a gun. He placed it firmly in Lance’s hand.

“Kill one”.

The word hit Lance like a punch to the chest.

His breath caught. He looked down at the gun, then back at Porto, shaking his head violently. “No. No, I’m not doing that.”

Porto’s smile didn’t fade. “You don’t get to say no.”

“I won’t,” Lance said, panic rising in his voice. “I agreed to work, not to murder people.”

Porto sighed dramatically, like Lance was being difficult over something small.

“You really don’t get it, do you?” Porto said. “This isn’t about the job. This is about loyalty.”

Lance’s hands trembled as he lowered the gun. “I can’t do this.”

Porto’s expression hardened just slightly. He stepped closer, lowering his voice.

“Then let me explain it real slow,” he said. “It’s either them…”

He leaned in, his breath brushing Lance’s ear.

“…or your sister.”

Lance froze.

His heart felt like it stopped beating altogether.

Porto straightened and took a few steps back, folding his arms as if he were watching a show. The people on the floor whimpered harder now, sensing what was happening.

“Clock’s ticking,” Porto said calmly. “Make your choice.”

Lance’s chest burned. His vision blurred. He looked at the terrified faces in front of him, then down at the gun in his shaking hands.

His sister’s face flashed through his mind.

“T-Tam…” he whispered.

The room felt like it was closing in on him.

And then—

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  • COLLATERAL DESIRE    CHAPTER SEVEN

    The next week destroyed whatever peace Lance had left.It started the very next morning.Porto picked him up before sunrise without warning or explanation, the sound of a car horn outside Lance’s apartment followed by a short text that simply read: Get in.Lance hadn’t slept much because every time he closed his eyes he saw the man’s head snapping back when Porto pulled the trigger, the gunshot echoing in his skull like it had gotten trapped inside his mind.The car ride was silent.Porto drove with one hand on the wheel while the other rested lazily near the gun at his waist, like the weapon was just another ordinary object to him.“You’re quiet today,” Porto said after a while.Lance kept staring out the window, his eyes unfocused as buildings passed by.“What do you want me to say?”Porto shrugged slightly.“Nothing. Silence is fine.”They eventually pulled into an empty parking lot behind an old building where paint peeled from the walls and the windows were covered with thick met

  • COLLATERAL DESIRE    CHAPTER SIX

    There was a loud bang, but it wasn’t from Lance pulling the trigger. It came from behind him.Lance jolted and turned to the side, his eyes widening in shock. The man beside him, one of the henchmen who had followed him into the warehouse, suddenly dropped to the floor. A dark pool of blood quickly spread around his body.Lance took a step back, his hands trembling. The gun slipped from his fingers and clattered onto the ground.Porto stared at the body for a second before shouting, “Everyone get down now!”Everyone ducked immediately.Then it started.A rain of gunfire tore through the warehouse walls. The sound was deafening, endless, bullets ripping through wood, metal, and anything in their way.Lance crouched behind a crate, his heart racing wildly in his chest. He watched pieces of the warehouse break apart from the impact of bullets.“Shit, we are being ambushed” A man yelled, pulling out his gun.Porto nodded as he looked around like he was thinking.“I haven’t even started an

  • COLLATERAL DESIRE    CHAPTER FIVE

    “So this is the debtor"Lance glanced up and his eyes widened at the person standing in front of him.“R—ragnar," he muttered.Ragnar raised a brow, his cold eyes scanning Lance's.“Who knew Ylva's so-called boyfriend would be the person owing me money, I knew you were good for nothing." he paused as looked down at Lance with a scoff “It's disgusting".Lance was quiet as he took in what was happening, what were the chances that Ragnar would be the boss of the loan sharks.It was almost funny how messed up his life was.“Please I just need you to let go of my sister" Lance said, his voice trembling.Ragnar raised a brow, “So your sister was taken as collateral?, It is your fault for being a pathetic brother and not being able to pay what you owe.""I said I'd pay it, I was paying it every month, it's not fair that you'd take her” Lance's frustration was boiling up at this point.Ragnar crouched down to be on eye level with Lance. “And yet I heard you haven't even paid half of it back,

  • COLLATERAL DESIRE    CHAPTER FOUR

    Lance worked tirelessly, finding any side hustle he could, working all day without sleep.Even with all that he didn't make anything close to what he owed but he kept on working, his muscles protested but he didn't stop, he couldn't.One of those days, Lance was even tempted to steal, to rob someone, just to get easy and fast money. The thought crossed his mind more than once, especially when desperation weighed heavy on him.At one point, he found himself close to a woman inside a store, a thick bundle of cash visible in her bag. It would have been quick and no one would have noticed.But he stopped in his tracks.He couldn’t bring himself to do it.That wasn’t the kind of person he was, no matter how desperate things had become. Even with everything closing in on him, he still had lines he refused to cross.He had been missing classes and had several missed calls from Ylva and his other friends. They were all worried, But every time he finally picked up a call or replied to a text,

  • COLLATERAL DESIRE    CHAPTER THREE

    Weeks went by, and Lance was happy he didn’t have to see Ragnar again. He honestly hoped he never would. He liked life without being involved with a mafia boss.Things slowly went back to normal. Lance stayed busy with college and basketball. Everyone still saw him as the star player. He was still dating Ylva too. He did love her, but a part of him also knew staying with her meant staying safe from her scary father.Everything was fine.Until one day it wasn’t.One afternoon, Lance came home earlier than usual. He thought he would walk in and see his little sister Tamera watching TV or maybe fighting with the babysitter like always.But that’s not what he saw.The moment he opened the door, his heart dropped.The babysitter was lying on the floor, not moving. The whole apartment was a mess. Chairs were flipped, the table was broken, things were smashed everywhere.And Tamera was gone.“Tam?” he called out, panic already rising in his chest. “Can you hear me baby girl?"No answer.He r

  • COLLATERAL DESIRE    CHAPTER TWO

    Lance didn't move from his seat, honestly he didn't want to.“Hey dad" Ylva grinned widely like it wasn't the same man in both their presence, she got up and hugged him eagerly.Lance reluctantly stood up despite himself due to the respect he was expected to have, but as he turned he regretted it immediately.As his eyes met Ragnar's, an unmistakable fear fell over him, his blood ran cold and it felt like everything went still.Lance had faced several frightening situations but none ever made him feel what he felt at that moment, it was a feeling he didn't like one bit.He was quiet for a moment, just staring until Ylva cleared her throat and he snapped back to reality.“Hello sir I'm La—""I know who you are,” Ragnar said, his deep voice rumbling across the room."Sit”.Lance didn't even argue and stumbled back into his seat.Ranger walked over to the head of the table slowly sitting and folding his hands in front of him.“So dad this is Lance, Lance this is my dad" Ylva smiled.“Yes

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