She owed him everything. But when the time came to pay, it wasn’t money he wanted… Desperate to save her mother’s life, Isabel “Izzy” Vergara turns to a wealthy stranger—Seth Santiago—for help. She offers her body in exchange for the money, but when she hesitates, Seth refuses her. Yet, the next day, her mother’s surgery is mysteriously paid for, and Seth leaves her with a chilling message: Be ready when I come to collect. Months later, Izzy’s world is turned upside down when she learns Seth is her best friend Carl’s uncle. What begins as a reluctant debt soon turns into a dangerous addiction—one she can’t escape, no matter how much she tries. But just as she starts falling for the enigmatic billionaire, Carl reveals a shocking truth: Seth has a past dark enough to destroy them both. As secrets unravel and a vengeful ex-wife resurfaces, Izzy is forced to decide: Will she fight for a love that has already shattered her heart, or walk away before she loses everything—including her life?
View More"Isabel Vergara, are you sure you're okay?"
Carl, her best friend, asked with furrowed brows while staring at her intently. Izzy forced a smile and quickly nodded. "Of course! Why wouldn't I be okay?" "Izzy, do you even look in the mirror? Can you still see yourself? You look like a corpse with how pale you are." Carl said with a pout, making Izzy laugh. "Wow, a corpse? That's a bit much! I'm really fine, promise! By the way, thanks for the free coffee. That's why you're my favorite best friend!" She joked with a teasing grin, making Carl roll his eyes before pushing a plate of muffins toward her. "You're such a freeloader. As if you have another best friend besides me—I'm the only one who puts up with your stubbornness." Izzy pouted at his grumpy tone but still accepted the snack he offered. It was just past 3 PM, and they were at the coffee shop where Izzy worked as a waitress. Fortunately, Carl arrived just as she was on her break. "Why are you so grumpy today? Are you on your period?" "Shut up, Izzy. You can see I'm a full-grown man, yet you're asking me that? And I'm not grumpy! Anyone would be annoyed seeing you looking like that." He said with a frown. "Ouch! When it comes from you, it sounds like I'm the ugliest person alive." She smirked at him. "I'm not saying you're ugly, Izzy. I'm just saying you look like you've lost all your blood. Do you even rest? You're overworking yourself with your job and studies. You're only twenty-two, but you look thirty and married." Carl lectured her, making Izzy force another smile. "I have to, and I do get some rest! After work, of course." "By the way, do you know any job openings? Maybe you can come with me?" Izzy suddenly asked, making Carl frown even more. "Since you have a car, I’d save on transportation fare." She wasn’t shameless—she just needed help, and she knew Carl was used to it. They had been best friends for almost seven years, but the difference was that Carl grew up wealthy while she was raised in a squatter area. "Izzy, you already have two jobs. After this, you work until 2 AM, and then you have class at 6 AM. Are you trying to kill yourself?" Carl asked, his eyes full of concern. "Carl, I know it's exhausting—I'm the one working, after all. And you also know how much I need this. If I could go without resting, I would." She said with a forced smile, making Carl shake his head. "I know. Your mother is sick and needs expensive medication. But still, you shouldn't overwork yourself. If you push too hard, you might get sick. You need to take a break, Izzy." Izzy gave a bitter smile upon hearing Carl state the painful truth. Her mother had cancer. She knew that working nonstop without rest might cause her to collapse before her mother did. She took a deep breath and forced another smile. "I can do it, Carl. Even though it's exhausting, as long as I can, I won’t stop fighting for my mom’s life. I'll do anything, even just to extend her life a little longer." Izzy said seriously, meeting Carl’s worried gaze with determination. "Izzy, Sir Pete is calling you to the office." Izzy immediately stopped wiping the tables when she heard her coworker’s words, feeling a sudden, inexplicable nervousness. "I-I'm not getting fired, am I?" She asked without thinking. She had too many responsibilities—losing her job wasn’t an option. Her two part-time jobs weren’t even enough to support her mother. "Hey, relax! Maybe he just has something important to tell you. Don’t overthink it. Now go, he's waiting for you." Chris said with a smile, making Izzy move quickly. She hesitated outside the boss’s office, debating whether to knock. The nervousness wouldn’t go away. She kept wondering if she had done something wrong or messed up at work—but she couldn’t think of anything. Taking a deep breath, she finally mustered the courage to knock. "Come in." She heard from inside before she turned the doorknob. "You called for me, sir? Is there a problem?" Izzy asked worriedly. Her middle-aged boss smiled at her, and she exhaled in relief when he shook his head. "No problem. You just have a call here. I think it's important because they called directly to my office. You should call back." Her boss said with a smile before handing her the phone. He even dialed the number himself. Izzy fell silent when she heard it ringing. "Hello? Izzy, is that you?" Her heart pounded in her chest when she recognized her Uncle Oscar’s voice on the other end. "Y-yes, it's me. Is something wrong? How's Mom?" "That's why I called, Izzy. We rushed your mother to the hospital." "Which hospital, Uncle? I'm on my way!" Izzy asked, holding back tears. She didn’t waste another second after hearing the hospital’s name. Thankfully, her boss immediately allowed her to leave. Izzy half-ran as she searched for a jeepney, not caring where she stepped in her rush. She gasped when a fancy car honked behind her. Before she could react, its bumper hit her hip, causing her to fall to the ground. "Ouch..." She groaned softly and tried to stand up, but before she could, she saw the driver step out of the luxury car. "F#ck, are you okay? Why the hell weren't you watching where you were going? You were in the middle of the damn road, miss!" The man, who looked to be in his thirties, snapped at her. He wore a black tuxedo, and with his sharp features and expensive-looking clothes, he was clearly someone important—and undeniably handsome. "S-sorry, I was in a hurry... I know it was my fault. I’m okay—" "Well, then, get the f#ck up already. I’ll be late for my mee—are you sure you're okay?" His annoyed expression shifted to concern when he saw her struggling to stand. She winced in pain. Before she could react, the man carefully lifted her up. "No, you're not okay. And I’m sorry, miss. I need to take you to the hospital." He said firmly before placing her inside his car without a second thought. "I-it's not necessary. But... can you take me to the hospital? I’m in a hurry." Izzy asked, still wincing. The man stared at her for a moment before speaking. "Well, if you insist. Which hospital?" Izzy quickly mentioned the name. He simply nodded, got in, and drove off. "My name is Seth Santiago. Sorry for hitting you. I was in a hurry, too. I didn’t mean to be rude. I forgot to check if you were hurt—and clearly, you were. Are you sure you don’t want to be treated?" He asked seriously, keeping his eyes on the road. Izzy looked up and shook her head. "I-I'm fine. I don't need a doctor. I’m Izzy Vergara." She introduced herself. Seth suddenly stiffened and turned to look at her. "D-do you know me?" She asked uncertainly. "No. Are you famous?" He replied indifferently before looking away. "N-no. You just looked at me like you already knew my name." She said shyly, wincing when her side throbbed again. "No, I don’t know you." That was all he said before falling silent. Minutes later, they arrived at the hospital. Izzy quickly reached for the door but realized it was locked. "You have a patient here or something?" Seth asked. Izzy nodded hesitantly. Without a word, he handed her a small card. "W-what’s this?" She saw him clench his jaw before looking at her intently. A gaze so intense she had to look away. "That’s my calling card. Since you refused treatment, call me if you need anything." He said expressionlessly. Then his next words left her speechless. "It's nice to finally meet you, Izzy Vergara. See you around."Izzy could only stare at herself in the large mirror in front of her. She couldn't help but marvel at her own appearance.“See? You’ll be the star of the party later… Whoever gave you these things knew exactly what he was doing… That gown looks amazing on you, Izzy…”Andrea said to her with a big smile. She was the one who styled Izzy, while Margaux did her hair.“I still think straight hair would have been better, we should’ve kept it all natural.”Margaux said with a pout.“Come on, your curls look fantastic, it’s still straight, just curly… ”Andrea laughed.“I don’t know, I still think straight looks better... Ohh, and I kept thinking, I’m sure that the person who gave you the gown and everything else will also be there.”“The party?”Andrea asked, raising an eyebrow. Margaux smirked.“I mean yeah, no sh*t the guy knew about the party, I bet he’d be there later… Do you think he would go through the trouble of giving you such a beautiful gown and jewelry if he wasn’t? The guy will
Izzy didn't know how many minutes she had been staring at the gifts she received from Seth. She didn’t know what else to think, because no matter how hard she tried, there was only one option she knew.To refuse them.But how?She asked herself, unconsciously sighing as she shifted her gaze to the card she was still holding. She wasn’t sure what to do, so she just stuffed it in her pocket along with the phone.Before she could figure out what to do with them, a rapid knocking on her door caught her attention. It opened before she even had the chance to hide the gown and jewelry.“Holy mother of cheese! Where the hell did you get all this stuff, Izzy?”Andrea exclaimed, her eyes wide. She was one of Carl’s sisters. She was a few years older than Izzy, but she was more bubbly and had a bit of a flair.“No sh*t, you got all this… I’ve been looking for this gown forever!”She said, amazed. Izzy didn’t realize that Andrea had already approached the bed where the box was.“Oh God, and the b
"Are you okay? You look weird..."Carl asked Izzy with a furrowed brow as they ate. She pretended to roll her eyes."Weird? What are you talking about? I'm fine. Just thinking."She said, grabbing her glass of orange juice from the table."Are you still thinking about your mom, Hilda?"Carl asked, concerned. Izzy forced a smile and nodded slowly."S-she's never left my mind, Carl."She replied.How could she tell her friend that besides her mother, she couldn’t stop thinking about the man who was hiding in the bathroom earlier.Seth Santiago was probably furious with her, especially since she promised she would talk to Carl quickly."Izzy, stop wasting your energy thinking about that man. He's old enough to take care of himself. He’s probably already gone by now, right?"She mentally berated herself, wincing at the thought.But what if he was still there, waiting?Izzy let out a frustrated sigh, unconsciously shifting her gaze to the road leading to the hotel room they were staying in
Izzy's eyes snapped open at the sound of a rapid knocking on the door. She was about to get up to answer it when she stopped short, noticing the heavy arm draped across her waist.Nervous, she cautiously glanced at the man beside her, momentarily forgetting how they had fallen asleep. Despite her worry about whoever was outside, she couldn’t help but smile as she briefly admired his handsome face. He was sound asleep, his features peaceful and serene, a stark contrast to his usual stoic expression.She spent a few moments gazing at Seth Santiago, only moving when she heard the insistent knocking again. Izzy’s eyes quickly shifted to his strong arm around her waist, her mind racing. Should she wake him up? Or should she try to slip out, knowing that whoever was outside wouldn’t be able to see Seth Santiago in her bed?Izzy let out a frustrated sigh and looked at the door.“It’s too early for the party, Isabel. You still have time to rest… Let him think that you’re still sleeping.”Seth
Izzy felt like her lips would bleed from how hard she was biting them, holding her breath as she tried to meet Seth Santiago’s intense gaze.She had no idea how many minutes had passed now, with Seth still not saying a word after the last thing she blurted out earlier.I’m ready to pay, Seth Santiago…Who was she kidding?Even if she waited days, weeks, or months, she would never truly be ready for this. And she knew Seth was well aware of that too.Otherwise, he wouldn't be looking at her like this.Feeling overwhelmed by the flood of thoughts and the shame creeping up her spine, Izzy instinctively averted her gaze.“Hey…”His gentle voice called out to her, and before she could completely look away, Seth had already reached out, tipping her chin up to make her face him again.Izzy forced a smile."I-I know... I know you're thinking I’m just saying all this because I'm drowning in grief right now…”She muttered, struggling to meet his eyes."Am I wrong?""I-I don’t know..."she whisp
Izzy could only stare at herself in the large mirror in front of her. She couldn't help but marvel at her own appearance.“See? You’ll be the star of the party later… Whoever gave you these things knew exactly what he was doing… That gown looks amazing on you, Izzy…”Andrea said to her with a big smile. She was the one who styled Izzy, while Margaux did her hair.“I still think straight hair would have been better, we should’ve kept it all natural.”Margaux said with a pout.“Come on, your curls look fantastic, it’s still straight, just curly… ”Andrea laughed.“I don’t know, I still think straight looks better... Ohh, and I kept thinking, I’m sure that the person who gave you the gown and everything else will also be there.”“The party?”Andrea asked, raising an eyebrow. Margaux smirked.“I mean yeah, no sh*t the guy knew about the party, I bet he’d be there later… Do you think he would go through the trouble of giving you such a beautiful gown and jewelry if he wasn’t? The guy will
Izzy didn't know how many minutes she had been staring at the gifts she received from Seth. She didn’t know what else to think, because no matter how hard she tried, there was only one option she knew.To refuse them.But how?She asked herself, unconsciously sighing as she shifted her gaze to the card she was still holding. She wasn’t sure what to do, so she just stuffed it in her pocket along with the phone.Before she could figure out what to do with them, a rapid knocking on her door caught her attention. It opened before she even had the chance to hide the gown and jewelry.“Holy mother of cheese! Where the hell did you get all this stuff, Izzy?”Andrea exclaimed, her eyes wide. She was one of Carl’s sisters. She was a few years older than Izzy, but she was more bubbly and had a bit of a flair.“No sh*t, you got all this… I’ve been looking for this gown forever!”She said, amazed. Izzy didn’t realize that Andrea had already approached the bed where the box was.“Oh God, and the b
"Are you okay? You look weird..."Carl asked Izzy with a furrowed brow as they ate. She pretended to roll her eyes."Weird? What are you talking about? I'm fine. Just thinking."She said, grabbing her glass of orange juice from the table."Are you still thinking about your mom, Hilda?"Carl asked, concerned. Izzy forced a smile and nodded slowly."S-she's never left my mind, Carl."She replied.How could she tell her friend that besides her mother, she couldn’t stop thinking about the man who was hiding in the bathroom earlier.Seth Santiago was probably furious with her, especially since she promised she would talk to Carl quickly."Izzy, stop wasting your energy thinking about that man. He's old enough to take care of himself. He’s probably already gone by now, right?"She mentally berated herself, wincing at the thought.But what if he was still there, waiting?Izzy let out a frustrated sigh, unconsciously shifting her gaze to the road leading to the hotel room they were staying in
Izzy's eyes snapped open at the sound of a rapid knocking on the door. She was about to get up to answer it when she stopped short, noticing the heavy arm draped across her waist.Nervous, she cautiously glanced at the man beside her, momentarily forgetting how they had fallen asleep. Despite her worry about whoever was outside, she couldn’t help but smile as she briefly admired his handsome face. He was sound asleep, his features peaceful and serene, a stark contrast to his usual stoic expression.She spent a few moments gazing at Seth Santiago, only moving when she heard the insistent knocking again. Izzy’s eyes quickly shifted to his strong arm around her waist, her mind racing. Should she wake him up? Or should she try to slip out, knowing that whoever was outside wouldn’t be able to see Seth Santiago in her bed?Izzy let out a frustrated sigh and looked at the door.“It’s too early for the party, Isabel. You still have time to rest… Let him think that you’re still sleeping.”Seth
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