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My Debt led me to him

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billionaire
dark
contract marriage
family
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drama
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Blurb

Aria Betty Taylor spent her entire life surviving.

Between medical school, endless part-time jobs, and crushing debt left behind after her parents’ mysterious deaths, sleep became a luxury she could no longer afford. The only family she has left is her sick grandmother—the woman keeping her world from completely falling apart.

But when debt collectors threaten to throw her grandmother out of the hospital, Aria’s carefully controlled life shatters.

Then he appears.

Kael Verrano.

The cold billionaire CEO dominating New York’s financial world.

Powerful.

Untouchable.

Dangerously handsome.

Years ago, Aria unknowingly saved him during the darkest moment of his life. Kael never forgot her.

So when he discovers the fearless girl from his past drowning in debt, he offers her a deal that changes everything:

Marry him for one year.

In exchange, he’ll erase every debt haunting her family.

But the deeper Aria enters Kael’s luxurious and ruthless world, the more dangerous secrets begin unraveling.

A hidden inheritance.

A stolen legacy.

A mysterious silver locket tied to an ancient bloodline.

And a power sleeping inside her that was never meant to awaken.

Now surrounded by enemies, betrayal, and a husband who slowly becomes impossible not to love, Aria must decide:

Will she remain the poor girl fighting to survive…

Or reclaim the throne she was always destined to rule?

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Chapter1:The Drowning
The fluorescent lights above Aria Betty Taylor flickered twice before settling into their usual weak glow. She hated that light. It made everyone inside St. Mary’s Memorial Hospital look exhausted, sick, or dying. Sometimes all three. Aria adjusted the loose ponytail falling over her shoulder before balancing a tray of untouched medications against her hip. The hospital corridor smelled like antiseptic, stale coffee, and sleepless nights. Her nights. A sharp ache pulsed behind her eyes. Thirty-two hours. That was how long she had gone without proper sleep. Medical lectures during the day. Waitressing during the evening. Hospital assistant shifts at night. And somewhere in between all of that… Trying not to drown. “Miss Taylor.” Aria stopped walking immediately. The billing manager stood near the reception desk holding a thin brown folder against his chest. His expression already told her everything she did not want to hear. Again. Her fingers tightened around the tray. “Can we speak for a moment?” The exhaustion in her body suddenly became heavier. “Yes, sir.” She followed him quietly into the small office near the pediatric wing. The room was cramped, cold, and smelled faintly of paper and dust. The billing manager sighed before sitting down. “Your grandmother’s treatment balance has increased again.” Of course it had. Nothing in Aria’s life ever stayed still long enough for her to catch her breath. She remained standing. “How much now?” The man hesitated. “Forty-eight thousand dollars.” Silence. For a second, Aria genuinely thought she had stopped hearing properly. Forty-eight thousand. Her chest tightened painfully. “That’s after the discount we arranged last month,” he added carefully. Aria looked down at the cracked screen of her phone in her pocket. Three missed calls. Unknown numbers. Debt collectors. Again. “I just need more time,” she whispered. The manager’s face softened slightly. “Miss Taylor, you’ve already exhausted every extension the hospital can legally offer.” Legally. Funny word. As if anything about her life had been fair lately. Aria swallowed hard and straightened her shoulders. “I’ll pay it.” “How?” The question wasn’t cruel. That somehow made it worse. Because nobody looking at her now would believe she could pay nearly fifty thousand dollars while surviving on caffeine, scholarships, and whatever tips people tossed onto restaurant tables. But Aria Betty Taylor had survived worse things than disbelief. “I’ll figure it out.” She always did. The manager rubbed his forehead tiredly. “If payment isn’t made soon, we may have to suspend some of your grandmother’s treatment plans.” The words hit harder than a slap. “No.” Her voice came out sharper than intended. “She needs those medications.” “I understand—” “No, you don’t.” The room fell silent. Aria immediately regretted her tone. She inhaled slowly, forcing herself to calm down. Her grandmother was all she had left. After her parents died six years ago, that tiny hospital room became the only place in the world that still felt remotely like home. And now even that was being threatened. “I’m sorry,” she murmured quietly. “I’ll get the money.” The manager looked at her for a long moment before nodding. “You have one week.” One week. Aria almost laughed. Instead, she bowed politely and walked out before the tears gathering in her eyes could embarrass her. The moment the office door closed behind her, she leaned briefly against the hallway wall. Breathe. Just breathe. But breathing did not stop debt collectors. Breathing did not stop bills. Breathing definitely did not stop the cruel irony of being a medical student who could not even afford to save her own family. Her phone vibrated again. Unknown Number. Aria stared at it for three seconds before answering. “What?” “Well, well,” a rough male voice sneered through the speaker. “The little genius finally answered.” Aria’s jaw tightened. “I told you I need more time.” “And I told you your uncle’s debt became your debt the moment he disappeared.” At the mention of her uncle, bitterness crawled through her chest. Daniel Taylor. The man who stole everything after her parents died. Insurance funds. Properties. Savings. Gone. Every last cent vanished while he left Aria and her grandmother drowning beneath debts they never created. The police found nothing. Or maybe rich people simply paid enough for things to disappear. “We’ll get our money one way or another,” the man continued coldly. “You understand me?” “I said I’ll pay.” “You’re running out of time, sweetheart.” The line disconnected. Aria stared at the phone silently. Then slowly lowered it. Her reflection stared back faintly from the dark screen. Chestnut brown hair escaping her ponytail. Tired amber-brown eyes. Dark circles she could no longer hide. Twenty-four years old. And already exhausted by life. A nurse passing by nudged her shoulder gently. “You okay?” Aria forced a smile so practiced it almost scared her sometimes. “Yeah. Just tired.” The nurse snorted softly. “That makes two of us.” Aria laughed quietly despite herself. That was the thing about pain. Sometimes it became so normal that people learned how to joke around it. A few minutes later, Aria pushed open the door to Room 407. The moment she stepped inside, the tension in her chest softened slightly. Her grandmother sat near the hospital bed window knitting slowly beneath the warm evening light. Silver strands framed her wrinkled face gently. “Aria,” she smiled immediately. “You look pale again.” Aria rolled her eyes playfully. “I wonder whose fault that is.” Her grandmother laughed softly before coughing into a handkerchief. The sound made Aria move instantly. “Easy.” “I’m old, not fragile.” “You’re both.” “Brat.” Aria smiled faintly while adjusting the blanket over her grandmother’s legs. For a moment… Everything felt peaceful. Then her grandmother’s gaze dropped toward the silver locket resting against Aria’s collarbone. “You’re still wearing it.” Aria touched the old silver locket instinctively. “Of course I am.” The metal felt unusually cold tonight. Her grandmother watched it carefully for a second too long. Something unreadable crossed the older woman’s expression. Fear. No… Not fear. Recognition. “Grandma?” The older woman blinked before smiling again. “Nothing.” But Aria knew that look. And suddenly… The air inside the room felt strangely heavy. Like something unseen had quietly awakened.

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