Forever In Your Debt

She wasn't supposed to be mine. She had her man wrapped around her arms the night I stormed into her world. But she owed the family a hefty debt; one that she couldn't pay because she didn't have the money. I should have ended her life for it—that was how it usually went. No one owed the family and lived to tell the tale. They’d end you once your time was up and you couldn't deliver. And the man they always sent out for the job? Me. I had no business collecting nothing more than their debt; in blood or in cash.  That's why I definitely had no business offering her a way out but in exchange for her body and the world that laid between her thighs. One look at her and I wanted her. I craved her. One taste of her was all it took. I became obsessed. But I had to let her go after our deal had ended. She was never meant to be mine. She didn't belong in my world and she had no business stepping into it. But she did. She stumbled in and crashed everything in her path, including my restraint. My need to possess her nearly drove me insane. I should have pushed her away. I was only a tool in the hands of my master. The odds were highly against us. And I would only bring her pain. But it was too late now. I had a taste of her again and I was lost… completely. She was mine and I was keeping her. And if I had to burn the whole damn world just for her, then I would fucking gladly set it ablaze.

Left alone with a debt she couldn't pay no matter how hard she worked, heartbroken by the only man she had loved desperately, Charlotte's only hope was to take her life. But what happens when she encounters Owen, a man rich enough to feed the entire country and still never go bankrupt? “I have a condition. I'll pay off all of your debts if you decide to be my contract wife for three months.” If she accepts, her debts are gone but her freedom is at risk. If she doesn't accept, she'd be giving herself away to suffer for the rest of her life. Either decision is a tough choice for her to make. What will Charlotte's do?

My life is terrible enough. My dad died robbing a jewelry store. My sister hates my guts. An enforcer shows up out of nowhere and tells us we owe a shit ton of money. My mom? Ran off with my credit card and all her fancy jewelry at her first opportunity. So that leaves me... With no cash and a pissed-off crime boss. Raoul gives me a choice: pay up or belong to him. Now, I’m stuck in his world, living in a fancy apartment, clashing with his bossy rules, and realizing he might not be all that bad, after all.

Just because I refused to help my nephew, Albert Wesley, pay for his wedding, my very own sister took me to court. When my sister, Jocelyn Guthrie, appeared in court, she wept as she spoke. "I worked myself to the bone, taking every job I could find just to support your college education. I endured endless humiliation, and it even ruined my health." "You have an annual income of a million dollars, yet you won't even spare a fraction to help me! You're even talking about cutting ties with me? Do you even have a conscience?" Seeing me sitting in the defendant's seat, unmoved, she trembled as she revealed the grotesque scars covering her body, even pulling out a disability certificate. "I was even injured because of you. I was struck by a falling object at a construction site, leaving my leg permanently disabled. Now... I can't support my son anymore, so I'm asking you to repay the tuition. Isn't that the least you should do?" My mother, Samantha Lawrence, and my brother, Andrew Guthrie, nodded along, backing Jocelyn up, condemning me for my ingratitude. The entire courtroom erupted in anger, voices rising against me. "What a monster! Her education has gone to the dogs!" "Don't insult dogs! She's even worse than an animal!" "Three hundred thousand dollars is too little! Your Honor, she must repay it with interest!" Watching their righteous fury, I could only feel a bitter sense of irony. She claimed she had sacrificed everything to put me through four years of university. But the truth was... I had never even been to college at all.

Five years ago, my family died in a car crash. My parents. My adopted sister, Liz. Everyone but me. They left behind grief, an empty house, and a debt so large it swallowed my life. When the collectors came, I turned to the only person I had left—my husband, Adrian. He told me he had cut ties with his own family to marry me and had nothing left. I believed him. For five years, I worked every job I could find, paid every dollar I earned, and told myself love was worth the suffering. When the balance dropped to its final $18,000, I signed up for a paid drug trial at a private clinic. They handed me a waiver, warned me about possible delayed reactions, and promised fast money if I swallowed the experimental dose. I thought it would buy us a new beginning. Instead, I came home early and heard Adrian on the phone. “Let Liz use the card. Evelyn still doesn’t know. She took away Liz’s money five years ago, so she has to earn every dollar back herself.” Then he laughed softly. “One more year, and her punishment is over.” That was how I learned the dead were alive. The debt was fake. My husband had never been poor. And the life I had fought so hard to survive was only a sentence they had given me.

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.