Chapter 1 – Debt Collector at the Door
Rain tapped lightly against the cracked windowpane, turning the glow of the streetlights into blurred halos. The air inside the apartment was stale, heavy with the smell of instant coffee and damp carpet; the kind of scent that clung when bills piled up faster than paychecks.
Sienna Cole sat cross-legged on the worn sofa, counting the night’s café tips. Her fingers moved quickly, but her stomach sank with each coin and crumpled note. It wasn’t enough. It was never enough.
She couldn’t stop hearing the voicemail from an hour ago; a low, rough male voice that felt like it had been carved from gravel:
“Seven days, sweetheart. Or your pretty sister pays in other ways.”
Her eyes flicked to Lila, lounging on the couch opposite her, phone in hand, giggling at something on the screen. At twenty-one, Lila had the kind of careless beauty that made people forgive her too easily. She didn’t seem to grasp the kind of trouble she was in.
“Lila,” Sienna said sharply, “you told me you owed two thousand. Now they’re saying ten. Do you have any idea what that means?”
Lila’s fingers paused mid-scroll, but she didn’t look up. “I thought I could fix it before you found out.”
The knock came before Sienna could respond. Three slow, heavy thuds that rattled the door.
She froze. Every instinct told her not to open it. She moved toward the entrance anyway, placing herself between the door and her sister. “Who is it?”
A deep chuckle slid through the air. “Open up, sweetheart. We need to talk.”
She cracked the door an inch. A man stood there, rain dripping from his buzz-cut hair onto the black leather of his jacket. His smile was thin, and his eyes moved around the small apartment like he was already making a mental list of what could be broken. Another man stood behind him in the hallway; broader, silent, watchful.
“You’re late on payment,” the first man said, his voice calm in a way that felt far more threatening than shouting. “Mr. Hale doesn’t like waiting.”
Sienna’s stomach clenched. Everyone in this part of the city had heard of Mr. Hale. Wealthy. Ruthless. The kind of man who collected debts in more than money.
“I just need more time,” she said, keeping her voice steady.
He smiled again, this time colder. “Time’s up in seven days. Ten thousand. Or…” His gaze drifted toward Lila, and Sienna’s pulse kicked hard. “…we settle in other ways.”
They left without another word, but the air felt heavier after they were gone.
Lila’s voice was small. “I’m sorry, Sisi. I didn’t think it would get this bad.”
Sienna didn’t reply. Her mind was already running in circles. No police. No bank loans. No friends who could help.
Her phone buzzed, lighting up with a name she hadn’t seen in two years.
Adrian Wolfe.
The last time she’d seen him was at a charity gala. She’d been working as a waitress, weaving through the crowd with a tray of champagne flutes. She’d nearly stumbled into him, and his hand had shot out to steady her, strong and sure.
“You’re shaking,” he’d murmured, his voice low and warm. She’d looked up into eyes like storm clouds and, for a strange moment, forgotten where she was.
She’d been foolish enough to think that moment meant something until she overheard him later, speaking to another man in a tone as cold as glass. “She’s not the one. Forget her.”
Now he was calling.
She let it ring twice before picking up. “What do you want?” she asked, her tone flat.
“I hear you’re in trouble,” he said. No greeting, no pretence. “Meet me tomorrow at eight. I have a proposal.”
“I’m not interested in your games, Wolfe.”
“This isn’t a game,” he replied, and something in his voice — quiet but sharp — made her grip the phone tighter. “It’s a deal. And it might be the only way to save your sister.”
The line went dead.
Sienna stared at her own reflection in the dark window, rain streaking down the glass. She didn’t know what Adrian Wolfe wanted from her. But she knew one thing — whatever it was, it wouldn’t come without a price.