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CHAPTER FOUR

Author: Vee Philip
last update Last Updated: 2026-02-19 14:47:32

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, he reassured them that he was fine, that everything was under control.

It was a lie he repeated so often it almost started to sound believable

It was the last day of the due payment, he hadn't gotten a lot of money but he still summoned up the courage to go back to the warehouse.

When the man from earlier saw the amount Lance had he scoffed, “What am I meant to do with this?”. He threw the bag of money to the side.

“Please just take it and let Tamera go, take me instead please, I'm begging you just let my sister go" Lance pled all the fire in his eyes completely gone, leaving him open and vulnerable.

“You know it's really nice seeing you beg like this, the once prideful Lance” the man continued

He stepped closer to Lance looking him up to down "You a tall young man hm,I'm guessing about 6’4 maybe more and you're built well”.

Lance gave him a confused look. “What do you mean?"

“You do have one option to pay a back although I really don't think it is gonna work in your favor”.

“I'll do anything, please” Lance responded desperately

The man looked at Lance for a moment before speaking up.

“Well, as everyone knows, I’m not the real boss around here,” the man said. “We have our top dog. I could get you in contact with the main man, although I highly doubt he’ll even let you breathe near him.”

“Top dog?” Lance asked.

“He’s the man behind everything we do, and one of the cruelest, if I do say so myself,” the man replied. “I’m his right hand. I deal with lowly pests like you so he doesn’t have to get his hands dirty.”

Lance knew anyone involved in this world was dangerous, but did he really have a choice? It was either this… or Tamera died.

“I’ll do it,” he said firmly.

Atta boy. You’ve got some guts,” the man said with a grin. The other men around him mirrored the expression. “We can take you to meet him right now. Oh, this ought to be fun.”

All the men began laughing, Lance didn't know why but he had a bad feeling, a very bad feeling.

Before Lance could even process what was happening, he was shoved into a car and driven off to God knows where. His chest tightened as anxiety clawed at him, fear settling deep in his bones.

When the car finally stopped, they were in front of a massive house. It was modern, sleek, and painfully elegant.

Inside, one of the men disappeared into another room.

Lance looked around. The interior wasn’t heavily furnished, which told him the place wasn’t used often, but it was still more beautiful than most houses he had ever seen.

Minutes later, the man returned, his expression annoyed.

“The boss is pissed we’re bothering him with a nobody,” he said. “He thinks a measly amount like this isn’t worth his time.”

Lance furrowed his brows. “Measly? They were talking about a million. Who exactly is this guy?” he thought.

“But he said he’ll come out shortly,” the man added.

Lance let out a shaky breath, unsure whether to feel relieved or even more terrified.

The wait felt endless. His hands trembled, but he forced himself to stay still. He needed to do this. For Tamera.

Finally, after nearly half an hour, footsteps approached. Slow. Measured. Deliberate. Each step sent a fresh wave of dread through him.

The men roughly forced Lance down onto his knees as the footsteps grew closer. His gaze stayed fixed on the floor, his heart pounding so loudly he was sure everyone could hear it.

The footsteps stopped right in front of him. All he could see were the shoes, polished, expensive, it looked like it cost more than his entire life.

“This is the debtor?” the boss said

Lance froze.

That voice.

His eyes widened. He had heard it before. Somewhere. Somewhere too familiar.

Slowly, he lifted his gaze.

And when his eyes locked onto the boss, it felt like his entire world stopped.

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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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