Keir McGregor has a deep, dark secret that could destroy the woman he loves... From the New York Times bestselling author of The Pact and The Lie comes a new standalone contemporary romance to make you laugh, cry and swoon. Jessica Charles shouldn't have even been in London when the unthinkable happened. She should have been back at home in Edinburgh, perhaps hanging with her boyfriend, having drinks with her sister or doing yoga with her group of friends. She should have been going on in her normal, dependable life as always. But on that fateful day in August, when a mentally-ill ex-soldier opened fire in public, Jessica's world changed forever. Now single and crippled from the gunshot wounds, Jessica finds herself scared and alone, losing faith in herself and humanity with each agonizing moment that passes. That is until a stranger enters her life. A stranger who makes her live again. Keir McGregor has always been the strong, silent type. Throw in tall, dark, and handsome and you've got pretty much the perfect Scotsman. Except Keir is anything but perfect. He's got a past he's running away from and a guilty conscience he can't seem to shed. But the more time he spends with Jessica, the more he falls in love with her. And the more his secret threatens to tear them apart. He may have been a stranger to her. But she's never been a stranger to him. NOTE: The Debt is a complete STANDALONE novel...you do NOT need to read any of the other McGregor books to read this one. The Debt follows a couple who do not appear in any of the other books and it is its own self-contained story. The Debt is rated 18+ for dirty-talking Scotsmen, profanity, and numerous sexy times. For those sensitive to bad language and explicit sex, please be aware.