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The Debt He Can't Collect
The Debt He Can't Collect
Author: TEG

Chapter 1

Author: TEG
last update Last Updated: 2025-12-19 04:35:31

I'm staring at the man who destroyed my family.

He's unconscious. Bleeding out on my table. And for exactly three seconds, I consider letting him die.

The thought is there before I can stop it. One slip of the scalpel. One overlooked bleeder. No one would question it. Not after a fourteen-hour shift. Not with a trauma this severe.

My hands hover over his chest.

The monitor screams. His pressure is dropping.

"Dr. Lawson?" Sarah's voice cuts through my paralysis. "We need to move."

Right. I'm a doctor. I took an oath.

Even monsters deserve to live.

My hands move on instinct. Clamp. Suture. Stop the bleeding. Years of training override the hatred burning in my chest.

But my mind is screaming.

This is Damien Cross. The billionaire who crushed my father's company five years ago. Who turned my family into nothing. Who's the reason my father drinks himself to sleep and my sister dropped out of college.

And I'm saving his life.

"Pressure stabilizing," Sarah calls out.

"Good. Get me another unit of O-negative." I work faster. Find the bleeder. Tie it off. My movements are precise despite the chaos in my head.

This is what I do. I save lives. I don't get to choose which ones.

Even when every cell in my body wants to walk away.

"You're doing great, Dr. Lawson." Sarah hands me the suture. "This guy's lucky you were on tonight."

Lucky. Right.

I finish closing. Step back. Strip off my gloves.

Damien Cross's chest rises and falls. Steady. Stable.

Alive.

Because of me.

"Get him to recovery," I tell Sarah. "Monitor his vitals every fifteen minutes. Call me if anything changes."

She nods. Efficient as always.

I walk out of the OR. My legs feel like lead.

The hallway is empty. Fluorescent lights buzz overhead. It's almost midnight. The witching hour in hospitals. When everything feels surreal.

I lean against the wall. Close my eyes.

My phone buzzes. I pull it out with shaking hands.

Seventeen missed calls. All from the same collection agency.

A text from Lily: Em, they're threatening to cancel my enrollment. I need the tuition payment by Monday. I'm so sorry.

Another text from the treatment facility: James missed his counseling session again. Please call.

I slide down the wall. Sit on the cold floor. Let my head fall back.

For just one moment, I let myself crack.

I'm twenty-nine years old. I work seventy hours a week. I haven't slept more than four hours in six months. I eat whatever I can grab between patients. My student loans are crushing me. My father's medical bills are drowning me. My sister's future depends on money I don't have.

And I just saved the life of the man who started all of this.

The universe has a sick sense of humor.

"Dr. Lawson?"

I look up.

A man in an expensive suit stands in the hallway. Mid-thirties. Designer watch. The kind of confident that comes from money.

I stand. Wipe my face. Become professional again.

"Yes?"

"I'm Marcus Chen. Mr. Cross's assistant." He extends his hand. "Thank you for saving his life."

I don't take his hand. "Just doing my job."

"You did more than that." Marcus steps closer. "The paramedics said he wouldn't make it. You proved them wrong."

"He's stable. Critical but stable. If you'll excuse me—"

"Wait." Marcus pulls out his phone. "I need to show you something. Please."

Something in his voice stops me.

He turns the phone toward me. Shows me a photo.

My breath catches.

It's me. Leaving the hospital. Three months ago based on my hair length. The photo is grainy. Taken from a distance.

Like surveillance.

"What is this?" My voice is cold.

Marcus swipes to another photo. Me at the grocery store. Another one of me visiting my father's apartment.

My blood runs cold.

"Where did you get these?"

"Mr. Cross's office." Marcus's voice is careful. "I found them yesterday. I don't know why he has them. I was hoping you could tell me."

I stare at the images. My hands clench into fists.

"I've never met Damien Cross in my life." Each word is sharp. "But I know what he did to my family. Five years ago, Cross Industries bought Lawson Medical Solutions. My father's company. The hostile takeover destroyed everything. My father. My mother's marriage. My family's future."

Understanding flashes across Marcus's face. "Your father was James Lawson."

"Yes. And your boss has been stalking me. Why?"

"I don't know." Marcus looks genuinely confused. "But I need your help figuring it out."

"Help?" I laugh. It sounds bitter. "You want me to help the man who ruined my family? The man who's been watching me like I'm some kind of project?"

"I'm offering two hundred thousand dollars."

The number hits like a physical blow.

Two hundred thousand dollars.

My father's medical debt. Lily's tuition. The foreclosure payment on our childhood home.

Everything. Solved. In one number.

"For what?" I keep my voice steady.

"Mr. Cross has amnesia. From the accident. He's going to wake up confused, disoriented. But there's a crucial merger vote in seventy-two hours. If the board discovers he's impaired, they'll remove him as CEO."

"What does this have to do with me?"

Marcus swipes to another photo. A close-up of me. Professional headshot quality.

"When he briefly woke in the ambulance, he was holding this photo. The paramedics asked if you were his girlfriend. I said yes. He believed me. His brain filled in details I didn't give."

My stomach drops. "You told him I'm his girlfriend."

"And when he wakes up, he'll believe it. Because amnesia does that. Creates false memories. Fills gaps with logic." Marcus meets my eyes. "I need you to play along. Three days. One merger vote. Then you walk away with two hundred thousand dollars."

"You want me to lie to a man with a traumatic brain injury."

"I want to save my boss's company. And I'm willing to pay you what you're worth." He glances at my phone. "What your family needs."

The collection agency calls. Lily's tuition. My father's rehab.

Two hundred thousand dollars.

I should say no. Should walk away from this insanity.

But I think about Lily's text. The desperation in those words.

I think about my father, drowning in guilt and alcohol.

I think about myself, working three jobs just to survive.

"I need to think about it."

"Take an hour." Marcus hands me a business card. "But Dr. Lawson? Someone tried to kill Damien tonight. The brake lines on his car were cut. This wasn't an accident."

My blood runs cold. "What?"

"If someone wants him dead, and he's been watching you..." Marcus doesn't finish.

He doesn't have to.

If someone wants Damien Cross dead, and Damien's been stalking me, then I'm not safe either.

I look at the card in my hand. Look back at the recovery room where Damien Cross is sleeping.

The man who destroyed my family.

The man I just saved.

The man who's been watching me for reasons I don't understand.

"One hour," Marcus says. "Then I need your answer."

He walks away.

I stand in the empty hallway. Alone.

Holding a business card worth two hundred thousand dollars.

And the growing certainty that saying yes will change everything.

The question is: Am I brave enough to find out why?

My phone buzzes again.

Unknown number.

I open it.

A photo of my father. Outside his facility. Smoking. Unaware he's being photographed.

The message below is simple: Tick tock, Dr. Lawson. Choose wisely.

My hands shake.

This isn't about a merger.

This is about something much bigger.

And I just became part of it whether I want to or not.

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  • The Debt He Can't Collect   Chapter 12

    The safe house smells like someone else's life. Old coffee. Dust. That particular staleness of a place nobody actually lives in.Victoria's already there when we arrive, hunched over a laptop at the kitchen table. Three monitors. Too many cables. The blue light makes her look sick.She glances up. Sees my face."Your father," she says. Not a question.I don't answer. There's nothing to say about a man who died handcuffed to a table because he finally told the truth.Damien checks the windows. Twice. Then the back door. Then the windows again. His hand keeps drifting toward his hip where his gun sits. He hasn't stopped moving since we left the burning police station."Sit," Victoria says. "Please."The couch is brown. Seventies, maybe. The cushions sag in the wrong places. I sit anyway because my legs hurt and I can't remember the last time I ate or slept or did anything normal people do to stay functional.Damien stays by the window.Victoria turns one of her monitors toward me. "Dr.

  • The Debt He Can't Collect   Chapter 11

    The police station smells like burnt coffee and disinfectant.I've been here for six hours. Giving statements. Answering questions. Watching detectives take notes while my world falls apart in real time.Damien sits beside me. Silent. His presence the only thing keeping me grounded."Ms. Lawson." Detective Morrison slides a folder across the table. Mid-forties. Gray at the temples. Tired eyes. "We need to talk about your father."My stomach drops. "What about him?""He's been cooperating. Fully. Gave us names. Dates. Financial records. Everything." Morrison opens the folder. "But there's a problem. The kind where his story doesn't match yours."My blood goes cold. "What are you talking about?""Your father claims Richard Chen wasn't the primary funder. That there was someone else. Someone bigger. Someone who's still out there." Morrison looks at me. Studies my face. "He says this person is the real threat. That Chen was a middleman. Nothing more."Damien leans forward. "Who?""He won'

  • The Debt He Can't Collect   Chapter 10

    The world tilts.My father. Alive. Standing beside Richard Chen like colleagues. Like the last three years of grief were performance art."You're dead." The words scrape out. Hollow. "I went to your funeral. I watched them lower your casket.""Empty." My father still won't look at me. His hands shake. He shoves them in his pockets. "Richard arranged everything. Made it look real. Gave me a choice. Disappear and help him perfect Project Angel, or watch him kill you and your sister. Both of you. I chose the option where you lived."My throat closes. I force words through anyway. "By betraying us?""By protecting you." His voice cracks. Still won't meet my eyes. "Emma, you don't understand. Richard has resources. Connections. He could've made you both disappear years ago. The only reason you're still alive is because I agreed to work with him."Bile rises in my throat. Three years. Three jobs. Fourteen-hour shifts. Eating ramen in hospital break rooms while he was alive somewhere. Safe.

  • The Debt He Can't Collect   Chapter 9

    "We need equipment. Fast." Victoria is already moving. "Rebecca, do you have a first aid kit? Anything with needles?""In the bathroom. But I'm not a nurse. I don't know how to draw blood properly.""I do." I head toward the bathroom. "I've done it a thousand times."The kit is basic. Band-aids. Antiseptic. But there's a clean needle. Alcohol wipes. Small vials.It'll have to work.I return to the living room. Roll up my sleeve. Tie off my arm with a rubber band from the kitchen."Emma." My mother's voice wavers. "Are you sure?""No. But I'm doing it anyway." I prep the needle. Find the vein. "Victoria, you'll need to get this to a lab. Someone you trust completely. Run a full toxicology panel. Genetic markers. Anything that shows Project Angel in my system.""I have a contact. Former FDA scientist. He was forced out when he tried to expose Richard years ago. He'll help.""Good." I insert the needle. Dark red blood fills the vial. "Because if Richard gets that USB drive and kills me,

  • The Debt He Can't Collect   Chapter 8

    I stare at Victoria. "My mother?""Yes. Get in the car. We don't have much time.""My mother doesn't know anything about Project Angel. She left years ago. Moved away. We barely speak.""That's what she wanted you to believe." Victoria glances down the street. Nervous. "But she's been involved this whole time. She knows where your father hid the formula. And Richard knows she knows. He's moving on her right now."Damien steps forward. "Victoria, if this is a trap—""It's not. I swear. I have no reason to help Richard. He destroyed my father's company ten years ago. Just like he destroyed Emma's." She looks at me. "We're on the same side. Whether you believe it or not."I should walk away. Trust no one. Especially not Damien's ex-fiancée who appeared out of nowhere.But if my mother really knows something..."Where is she?""An hour north. Small town. She's been hiding there for three years." Victoria opens the car door wider. "Please. I'm trying to save her life. And yours."Damien lo

  • The Debt He Can't Collect   Chapter 7

    We get off the bus three stops early.Walk two blocks. Then another three. No pattern. No destination.Just distance from cameras and cops and anyone looking for a billionaire CEO and his doctor girlfriend.Except I'm not his girlfriend. I'm just someone pretending.Or am I? The lines blur more every hour."We need somewhere to go," Damien says. "Somewhere Richard won't think to look.""I have a place. Maybe." I pull out the key my father gave me five years ago. The one that's been sitting in my drawer. "He said to use this if something happened. I always thought he meant the safety deposit box.""What else could he have meant?""I don't know. But the key has numbers on it. I assumed they were a box number." I examine it closer in the daylight. "But what if they're something else? An address?"Damien takes the key. Studies it. "2847. Could be an apartment number. Or a storage unit.""We already know about the storage unit. It's burning.""Then an apartment. Somewhere he kept a second

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