The Debt of Silence

In the shadow of the landmark consumer rights case Voss v. Excelsior Financial, a serial killer begins targeting ruthless debt collectors in the rain-drenched city of Halcyon Bay. Detective Elena Marchetti, still grieving the suicide of her brother who was ruined by predatory lenders, volunteers as bait in a desperate reverse-sting operation. She crafts the identity of a fragile debtor and enters the killer's dark arena, only to find herself drawn into a dangerous intimacy with a brilliant, haunted suspect. As the line between hunter and prey dissolves, Elena discovers that the truth binding them is far more devastating than any murder weapon—and that the real crime was committed long before the first drop of blood was shed.