Unpayable Debt Novels & Stories

Zaniyah Moore was born into a prosperous family. She possesses abundance, beauty, and talent. Nonetheless, in an unforeseeable twist of destiny, she and her family lost everything. Her parents were indebted, and she had no idea how to repay such a large sum of money. The debt collector desires for her to fulfill all of the Moore family's debts. She did not anticipate, however, that in the midst of her adversity, her long-lost childhood sweetheart would return. Not to rescue her, but to take her as his own. Ambrose Ward, the ruthless Flame Leopard Group Billionaire. Zaniyah's relationship with Ambrose was a living nightmare since she was tortured and abused of love, and it is hard to replace Ambrose's late wife. What can Zaniyah endure for Ambrose owing to their divergent love convictions? How long will she continue to love Ambrose? And … How long is she expected to serve as a replacement wife?

Tori has one rule: survive. Willing to do whatever it takes to keep her family afloat—even the things she swore she never would do. With a dying mother, a deadbeat father, and a debt that won't stop growing, she has no other choice in the matter. But a video of her surfacing just when she thinks she has found her footing, causes her to start reeling. One night. One mistake. And one very dangerous boy who now holds all the power in the palm of his hands. Dylan. Her college bully. The quarterback who has undoubtedly always needed to make her life hell. Now he wants more. And somehow, he is everywhere she turns. How far will Tori go to protect the people that she actually loves? And what happens when the boy who breaks her is also the one she can not escape?

*Blurb* When the Vale Corporation collapses overnight, Elena Cross is handed to billionaire CEO Damien Wolfe like a debt payment. Her parents tell everyone it’s her sister Sophia getting married. Sophia is “too young,” “too fragile.” Elena is just the expendable one. On the wedding night, drunk and cold, Damien drags her to bed calling her “Sophia.” When he sobers up and realizes he married the wrong sister, he declares war. He won’t annul it. That would ruin the family. Instead, he traps her in his mansion as an invisible wife. Ignored, mocked, erased. For Elena lives like a ghost in her own marriage. Then she leaves. Alone. With nothing. And she comes back with a new name, and a company worth more than his. He thought she was replaceable. He’s about to learn she’s irreplaceable.

He was never meant to be her choice. In a world where marriage can make or break a kingdom, Hera is bound by duty and forced to consent to a union with Alpha Eleazar of Elisora a ruthless, powerful, and mysterious Lycan. There is no warmth in his gaze, no ease in his voice. He looks at her not as a bride, but as an investment he intends to claim. And to Hera, he is nothing more than a sacrifice she is willing to make for her kingdom…. and her pride. But in a world where alliances are carved in blood, betrayals bloom even between siblings, and loyalty is nothing more than a debt to be collected, their union is far more than a vow of submission. Beneath the ceremonies and glittering crowns, the kingdom of Elisora hides truths long buried, secrets thought forgotten, and a past that refuses to stay dead. Because in Eleazar’s world, a bride could be a weapon And Hera may just be the most lethal of them all.

Sienna Hayes only wanted one thing: to escape the wreckage of her father’s debts and start over at Ridgecrest Academy, the elite school where she’s nothing more than the invisible scholarship girl. But blending in is impossible when her path collides with Luca Russo, the academy’s golden boy with a dangerous edge. Luca has it all—money, power, and the world at his feet—but behind his charming smile lies a storm he can’t control. When Sienna becomes the first person to see through his carefully constructed façade, their connection becomes impossible to ignore. But Sienna has secrets of her own—secrets tied to Luca’s powerful family and the debt that could destroy them both. As their worlds spiral closer, passion ignites, boundaries blur, and the line between love and disaster disappears. Will they survive the fallout, or will their forbidden love become the ultimate betrayal?

Heiress Jovie Wimberly has a stealing problem. She steals from stores, people, and even her parents. When she's sent to group therapy to get to the root of her issue, she doesn't count on stealing Reno's heart. Reno Valenzuela has a gambling problem. He's lost all his money to casinos, horse races and ridiculous bets. What he doesn't bet on is falling head over heels for Jovie. When Reno's debt catches up with him and Jovie decides to leave her fiance, they head on a cross country trip to save Reno's life. With hitmen and Jovie's fiancé after them, they embark on a crime-filled, life changing journey that might actually change them for the better. Will the hitmen get to Reno? Will Jovie's fiancé bring her back home? Should they have just stayed in group therapy?

Fiery redhead Lily is known for her fierce independence and untamed spirit. But when her brother gets into deep trouble with the notorious Black Ravens, she finds herself caught in a dangerous bind. The only way to repay his debt and keep him alive is to entangle herself with the gang's arrogantly charming leader, Ryker. Ryker, with his piercing eyes and commanding presence, rules his territory with an iron fist. Arrogant and unyielding, he's used to getting what he wants-and now, he wants Lily. Forced into his world, their clashing tempers and undeniable chemistry ignite a dark romance. As Lily found herself thrust into a world of rival gangs and hidden secrets, she realizes that her fiery spirit might be the perfect match for Ryker ruthless ambition. But with danger lurking at every turn, they must decide if their passionate connection can survive the risky game they're playing.

He needed a bride. I was never meant to be the one walking down the aisle. When the Marazona family came to claim a debt, my stepmother offered her precious daughter to the ruthless and dying Vincenzo Marazona. But on the wedding day, she sent me instead. Broken. Replaceable. Unwanted. Vincenzo Marazona made one thing clear the moment his ring touched my finger— this marriage was a business transaction, not a love story. He was cold, cruel, and running out of time. I was only a substitute bride trapped in the empire of a man who did not believe in mercy… or love. But the longer I lived under his roof, the more dangerous he became. Because the dying king who never wanted a wife was beginning to look at me like I was the only thing he had left to lose. And in the Marazona family— love is the deadliest mistake of all.

"You belong to me." His husky voice washed over Kon, and he felt his body, arching towards him, despite his resolve not to allow the devil to own him. "You are mine, love. No one else is permitted to touch you, except me." The devil's whisper was like a caress to his naked skin. **** Being a young boy desperate to complete high school and pay off the debt his mother owed, Kon never expected to run into the mafia Lord known as the 'DEVIL' A man who has no emotions. The sadistic devil who cares for nothing else in this world but to bathe in the blood of his enemies. Just one meeting with him and his fate was rewritten. He was not only bought by the Devil but he was also possessed by him. Now, he's on the run, from the devil who's determined to have him, back where he belonged. Back in his bed, and on chains.

Marriage was never about love, it was a weapon, a strategy, the final step Leonardo Mancini needed to claim his place as Don. In his world, love is weakness, and weakness gets you killed. For Nora Romano, life was simple until the night her father’s debt to the mafia became her burden. The price? Her freedom. The cost? Becoming the wife of a man whose name was feared across Italy. What begins as a marriage of leverage soon spirals into a dangerous game of secrets, betrayal, and blood loyalty. As enemies close in and trust fractures within the family, Leonardo is forced to confront the one thing he swore he’d never risk.... his heart. Can a man built on power and control balance the weight of love? And can Nora give her heart to someone whose world embodies everything she despises? In the mafia, love is the deadliest gamble of all.