Her life changed in an instant.
And he’s the only one who could have prevented it.

From the New York Times bestselling author of The Pact and The Lie comes a new standalone contemporary romance about those McGregor men.

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.


Kier McGregor is a beautifully broken man. Not only does he suffer from PTSD after his days in the British armed forces, but following the events of an unforeseen tragedy in Oxford Street one sunny afternoon, he also suffers from an extreme amount of guilt. Guilt that he didn’t do something to prevent a huge amount of anguish, and guilt that he survived when his comrades in war didn’t.

Our Canadian heroine Jessica is also suffering from the events of that day in London, and whilst she is learning to come to terms with her disability and the nightmares, she meets a man in her hometown of Edinburgh who she thinks may be able to help her through the bad times.

Kier is hiding a secret, but for once he just wants to be happy and enjoy spending time with a beautiful woman, so he offers to take her on a road trip to the Highlands and just go with the flow.

“I wasn’t running from something. I was running to something. Absolution. She has red hair and a sunshine smile.”

I literally read this book in one sitting, which is a rarity for me these days. It flowed so well and the pacing was perfect. I loved the banter between Jessica and Kier, and their chemistry, as it always is in a Karina Halle book, was off the charts. You can’t help but fall in love with him, he was so wonderfully alpha, but also very sweet. And Jessica, she was a brave and witty woman who was strong enough to be able face her fears, without becoming lost in herself.

This was an emotional and heartfelt read, with lots of sexy moments that will make you hot under the collar – plus we have the added bonus of all the wonderful descriptions of the Scottish countryside. If you are a follower of Karina’s instagram, you will know that she posted a lot of pictures during her trip there this year, and it definitely added to my reading experience looking back and seeing the places she was describing so vividly.

Another winner, and a well deserved five stars.

The Debt is a standalone contemporary romance, told in dual POV.

ARC gratefully received from the author in exchange for an honest review

Images featured in this review were created by me using stock images either purchased from deposit photo or from free stock sites.

About the Author

Karina Halle

Karina Halle is a former travel writer and music journalist and The New York Times, Wall Street Journal and USA Today Bestselling author of Where Sea Meets Sky, Racing the Sun, The Pact, Love, in English, The Artists Trilogy, Dirty Angels and over 20 other wild and romantic reads. She lives on an island off the coast of British Columbia with her husband and her rescue pup, where she drinks a lot of wine, hikes a lot of trails and devours a lot of books.

Halle is represented by the Waxman Leavell Agency and is both self-published and published by Atria Books/Simon & Schuster and Hachette in North America and in the UK.


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The Pact The Offer The Play The Lie The Debt KH

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