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CHAPTER THREE

Author: Vee Philip
last update publish date: 2026-02-19 14:46:58

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 rushed over to the babysitter and knelt beside her. For a second he thought the worst, but then he saw she was still breathing. Relief hit him, but only a little.

He gently shook her.

“Hey, wake up. Please wake up,” he said.

Her eyes slowly opened.

“What happened?” Lance asked fast. “Where’s Tamera, can you walk?”

She looked confused and scared.

“Men… they had guns… they took her,” she whispered.

Before Lance could ask anything else, she passed out again.

That was all he needed to hear.

Anger filled his whole body, anger he couldn't hold back.

“Loan sharks,” he muttered.

He already knew it had to be them.

Years ago, his dad had borrowed a huge amount of money to save his business. The business still failed, and his dad died not long after. But the debt stayed. It fell on Lance.

For five years, Lance worked nonstop trying to pay it off. Part-time jobs, side jobs, anything he could find. And still, he wasn’t even close to finishing, the amount was too much especially for an undergraduate who was still trying to figure out his life.

But he had paid them this month. He always paid.

So why take Tamera?

He made sure the babysitter was okay, laid her properly on the couch, then stormed out of the apartment.

He knew where he had to go.

The warehouse.

The place he knew they always would be after harassing people who owed them even a cent.

As he got closer, his anger started turning into fear. But he forced himself to keep walking.

When he reached the big metal doors, he took a deep breath and pushed them open.

That was the first stupid choice he made.

Inside were a bunch of men. Big, rough-looking men. Most of them had guns. All of them looked dangerous.

Every single one turned to stare at him with scarred faces or eyes.

Guns were pointed his way.

Lance quickly raised his hands.

“I’m not here to fight,” he said.

One big man walked up and pressed a gun against his chest.

“Who are you?” he asked.

“My name’s Lance,” he answered. “I need to talk to your boss.”

The man laughed and looked like he was about to pull the trigger.

But then someone else stopped him.

Another man stepped forward. He was shorter and covered in tattoos.

Lance recognized him. He was the one who always came around collecting money.

“Where is my sister?” Lance asked angrily.

The man crossed his arms. “Where’s my money?”

“I paid you this month, you had no right to take my sister she's a child”

The man laughed.

“And you think that’s enough?” he said. “You’ve owed us for years. You haven’t even paid half.”

“That wasn’t the deal,” Lance snapped.

The gun pressed harder into his chest.

The man stepped closer.

“Our rules are simple,” he said. “If you can’t pay, we take something valuable.”

He smirked.

“So we took your sister.”

Lance froze.

“What?”

“A young heart sells for a lot, especially that of a girl,” the man said calmly.

Lance grabbed him by the shirt.

“You sick bastard, if you touch her I'll kill you!”

The man didn’t even look scared.

“You have three days,” he said. “Bring the money, or she gets sold. Or killed. Your choice.”

Lance slowly let go.

Three days, that was too little time to do anything, was that man crazy?

“You know I don’t have that kind of money,” Lance said quietly.

“Not my problem,” the man replied. “Find it. Steal it. We don’t care. Just bring it.”

Lance left the warehouse feeling numb.

His mind was full of Tamera. Her smile. Her laugh. The way she always followed him around and held his hand when she wanted to show him one of her questionable work of arts.

When he got home, the babysitter was still asleep on the couch, she was probably passed out from whatever happened and would wake up after sometime, he didn't bother her.

Lance went to his room and sat on the bed.

He felt empty.

He thought about who he could ask for help, but every option felt wrong. He didn’t want to drag anyone else into this mess.

He picked up his phone and stared at Ylva’s name.

For a moment, he wanted to call her.

But he didn’t.

He knew she would help him. She would jump in without thinking.

And that was exactly why he couldn’t tell her.

“I’ll save you, Tam,” he whispered.

“No matter what.”

He closed his eyes.

“I’m sorry, Ylva… but after this, I can’t be with you anymore.”

He needed to escape this men, this life, even if he meant leaving the only girl he loves, which hurt him so much to think about.

All he had to do was get a million dollars in three days.

And he had absolutely no idea how.

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  • COLLATERAL DESIRE    CHAPTER ONE HUNDRED AND TWO

    The transition from the kitchen to the privacy of the bedroom was a blur of quiet footsteps and muffled breaths.They barely made it through the door before the tension from the kitchen snapped back into place.Lance didn't even give Ragnar a chance to turn on the light.He caught him by the waist, pulling him back into a kiss that was much hungrier than the one before.They stumbled toward the bed, the mattress dipping as they collapsed onto it.Lance was on top of him instantly, his weight a heavy, welcome pressure.The playful smirk he’d worn in the kitchen was gone, replaced by a focused, desperate intensity.He pinned Ragnar’s wrists above his head, his chest heaving against Ragnar’s."I’ve been waiting all day for this," Lance breathed, his voice a low vibration against Ragnar’s lips."Just you. No distractions."He began to trail kisses down Ragnar’s jawline, his breathing becoming more jagged.Ragnar’s usual icy composure was fraying as he felt the heat of Lance's body pressin

  • COLLATERAL DESIRE    CHAPTER ONE HUNDRED AND ONE

    The kitchen had gone quiet in that late-hour way, the kind of stillness that settled after everyone else had finished moving for the day. The lights were dim, not dark, just soft enough to make everything feel a little more private than it should have been. It wasn’t empty, but it felt like it.Lance leaned back against the counter, arms loosely crossed, watching Ragnar like he had been for the past few minutes without even trying to hide it. Ragnar stood across from him, pouring a glass of water with that same steady, controlled precision he brought to everything, like this was just another normal moment in a normal day.To him, maybe it was.To Lance, it wasn’t.Not after everything that day had been.Not after watching Ylva move in and out of Ragnar’s space like she belonged there, like she had a claim Lance couldn’t touch, couldn’t interrupt, couldn’t compete with even if he tried. And yeah, logically, Lance knew why. He knew exactly who she was to Ragnar. That didn’t magically ma

  • COLLATERAL DESIRE    CHAPTER ONE HUNDRED

    Lance didn’t hesitate this time.No pacing outside the door, no pretending he was just passing by. He pushed into Ragnar’s office like he had every right to be there, shutting the door behind him with a quiet but deliberate click.Ragnar looked up immediately.He didn’t ask if something was wrong. He didn’t need to. Lance’s expression said enough.“…What is it?” Ragnar asked, setting his pen down.Lance didn’t sit. He stayed standing in front of the desk, arms crossed, posture tight in a way that made it obvious he’d been holding this in for a while.“Ylva,” he said flatly.Ragnar’s expression didn’t change. “What about her?”Lance let out a slow breath, like he was trying not to sound as irritated as he felt and failing anyway.“She’s always around you.”It came out blunt. No dressing it up.Ragnar leaned back slightly in his chair, watching him. “Yes.”That one word was calm, simple, and somehow still annoying.Lance frowned. “That’s it?”“What else would you like me to say?” Ragnar

  • COLLATERAL DESIRE    CHAPTER NINETY NINE

    The shift didn’t hit Lance all at once.At first, it was just… small interruptions.A meeting that ran longer than usual. A door that stayed closed when it normally wouldn’t. A conversation that ended the moment he walked in, not in a suspicious way, just in that clean, controlled way Ragnar had of deciding something was over.Lance didn’t think much of it.Not immediately.He was used to Ragnar being busy. Used to the constant movement, the structure, the work that never really stopped. That wasn’t new.What was new—Was her.Ylva moved through the estate like she had always belonged there, like nothing had changed, like her absence had just been a pause instead of a break. She spoke to the staff with quiet familiarity, stepped into spaces without hesitation, and most importantly—She had access.Not forced. Not questioned.Just… natural.And Lance noticed it the first time he walked into Ragnar’s office and saw her already there.She wasn’t sitting.She never sat like that.She stoo

  • COLLATERAL DESIRE    CHAPTER NINETY EIGHT

    Ylva didn’t send a message before she came back, and somehow that made her presence feel sharper the moment she appeared. In a place where everything was timed, tracked, expected, her return cut through the routine like it didn’t belong to it. One moment the estate was quiet and controlled, the next she was standing in the main hall like she had never left at all.Lance saw her before anyone else reacted. He had been halfway down the stairs, attention split between work and everything else that had been circling his mind lately, and then his eyes lifted and locked.Ylva.He stopped.So did she.The space between them wasn’t far, but it stretched anyway, thick with something neither of them reached for. She looked the same at first glance. Same posture, same steady presence, same eyes that always seemed to see more than they said. But there was something sharper now, something more defined, like distance had shaped her into something quieter but harder.“…Lance.”His name came out the

  • COLLATERAL DESIRE    CHAPTER NINETY SEVEN

    Ragnar didn’t announce it like something important.That was the first thing Lance noticed.There was no buildup, no warning that this was meant to be anything more than another task. Ragnar simply walked into the room that morning, gave a brief look over the group, and said, “You’re coming with me.”Not just to Lance.To the others too. A few of the newer ones. The ones still learning, still being shaped.Lance didn’t question it. He stood when Ragnar did, fell into step behind him like always, his expression calm, unreadable. From the outside, nothing about him had changed.Inside—It was quieter than it should have been.The drive out was uneventful.No one spoke much. The air inside the vehicle stayed still, heavy with that unspoken understanding that this wasn’t routine work. Not paperwork, not coordination, not strategy.This was something else.Training.Or maybe exposure.Lance leaned back slightly in his seat, his gaze drifting to the window as the scenery shifted. Buildings

  • COLLATERAL DESIRE    CHAPTER FIFTY

    The next day…Ylva arrived in the afternoon without warning. The hospital room door swung open and she walked in like she owned the place, her presence loud, confident, alive in a way that immediately filled the quiet room.“Lance!” she called the moment she saw him.Before he could even sit up pro

  • COLLATERAL DESIRE    CHAPTER THIRTY EIGHT

    The next evening Mar found Lance sitting alone outside the quarters, on the low concrete wall near the fence. He had a bottle in his hand but wasn’t really drinking, just turning it slowly between his fingers like he was thinking too hard.Mar walked over and stood in front of him for a moment befo

  • COLLATERAL DESIRE    CHAPTER THIRTY SIX

    Lance blinked.He felt like he'd been hit with a ton of bricks.Once.Twice.Then he laughed.Not a normal laugh, too quick, too loud, too forced.“What?” he said, still half laughing. “Where the hell did that come from?”Mar didn’t laugh.Didn’t smile.Didn’t even move.He just kept looking at Lan

  • COLLATERAL DESIRE    CHAPTER THIRTY FOUR

    The sun was slowly sinking behind the walls of the estate, painting the sky in orange and gold.The light stretched across the courtyard, long shadows spilling over the stone floor, everything calm in a way that almost made you forget what kind of place this really was.Lance stood with his hands r

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