APKDock Logo
Chapters
share
He Said I Owed Him Novel Cover

He Said I Owed Him

One accidental night ties a young woman to a formidable billionaire who insists she owes him an unpayable debt. Thrust into his exclusive, high-stakes lifestyle, she struggles against the relentless demands of a man determined to keep her close. As their forced arrangement deepens, the boundary between duty and attraction begins to fade. Now, she must navigate a dangerous game of control to determine the ultimate cost of reclaiming her life.
Chapters
share

Chapter 3

The knock came at exactly nine in the morning—three soft raps followed by a pause, then two more. I'd been awake since five, sitting by the window of Richard's friend's apartment, watching the fog roll across San Francisco Bay like a living thing. The sound made me freeze, my coffee cup halfway to my lips.

"Mia? It's Robert Evans. I have coffee and some pastries from that bakery Richard mentioned."

His voice was calm, measured. Not demanding. Not impatient when I didn't immediately respond. I set down my cup with trembling fingers and approached the door like it might bite me.

"I'm going to come in slowly," he said after I'd unlocked the deadbolt. "Just me, no one else."

The door opened to reveal a man in his mid-thirties with kind brown eyes and sandy hair that looked like he'd run his fingers through it. He wore a simple navy sweater and jeans—nothing that screamed authority or power. Nothing like the sharp suits and calculated dominance I'd grown accustomed to.

"Thank you for agreeing to meet with me," he said, stepping inside with deliberate care. He held up a paper bag and a cardboard carrier with two coffee cups. "Richard said you might like the almond croissants from Tartine."

I nodded, not trusting my voice. Eight years of being told when to speak, what to say, how to say it—the idea of casual conversation felt foreign.

Robert moved to the living room but stopped well away from where I stood, choosing the chair farthest from the couch. The distance should have felt awkward, but instead it felt... safe. Like he understood something about space and breathing room that most people didn't.

"Beautiful view," he said, settling into the chair and looking out at the bay. "I grew up in Sacramento, so all this water still amazes me. Have you had a chance to explore the city at all?"

I shook my head, perching on the edge of the couch like I might need to run. "Not really."

"That's understandable. Moving to a new place can be overwhelming even under the best circumstances." He opened the bakery bag and set a croissant on a napkin, placing it on the coffee table between us but not pushing it toward me. "I brought decaf and regular coffee. Richard wasn't sure which you preferred."

"Decaf is fine." The words came out as barely a whisper.

He handed me the cup, careful not to let our fingers touch. "I work with the FBI, but I want to be clear—I'm not here in any official capacity today. Richard asked me to check on you, make sure you're settling in okay."

The coffee was perfect—not too hot, with just a hint of vanilla. When was the last time someone had brought me coffee? When was the last time someone had brought me anything without expecting something in return?

"I know this is probably strange," Robert continued, his voice gentle. "Having a stranger show up at your door. But Richard's worried about you, and honestly, after what he told me about your situation in New York, I wanted to help if I could."

My hands tightened around the coffee cup. "What did he tell you?"

"Just that you'd been in a... difficult situation for a long time. That you might need some support adjusting to being on your own again." His brown eyes met mine briefly before he looked back toward the window, giving me space to process. "I've worked with people who've been through trauma before. I understand that trust doesn't come easily."

Trauma. The word sat heavy in the air between us. I'd never thought of it that way—what happened to me was just... life. Consequences. What I deserved.

"I don't really know how to do this," I admitted, the words slipping out before I could stop them.

"Do what?"

"Talk to people. Make decisions. Be... normal." The confession felt like stepping off a cliff.

Robert was quiet for a long moment, and I braced myself for judgment, for pity, for the uncomfortable shifting that happened when people realized how broken I was.

Instead, he just nodded. "Normal is overrated anyway. And there's no timeline for figuring things out. You've been through something most people can't even imagine—give yourself permission to take it slow."

Permission. Another word that felt foreign on my tongue.

"Would you be comfortable if I asked you a few questions?" he continued. "Not for any investigation or report. Just so I can understand how to help you better."

I found myself nodding before I'd consciously decided to.

"In New York, in that house—were you allowed to leave? To go places on your own?"

The question hit like a physical blow. I set down my coffee cup because my hands were shaking too badly to hold it steady. "No. I mean, sometimes Harry would take me places, but I couldn't... I wasn't allowed to go anywhere alone."

"How about friends? People you could talk to?"

"No." The word came out flat, emotionless. "Harry said I didn't deserve friends. That no one would want to be around someone like me anyway."

Robert's jaw tightened almost imperceptibly, but his voice remained gentle. "What about making choices? Small things, like what to eat or what to wear?"

I laughed, but it sounded hollow even to my own ears. "Harry chose everything. My clothes, my food, when I could shower, when I could sleep. He said I'd proven I couldn't be trusted to make good decisions."

"Mia." Robert's voice was soft but firm. "None of that was true. None of that was your fault."

The words hit me like a slap. I stared at him, waiting for the punchline, for the moment he'd reveal this was all some elaborate test Harry had devised.

"I know it's hard to believe right now," Robert said, seeming to read my thoughts. "But you deserve to make your own choices. You deserve to have friends, to go where you want, to eat what you want, to wear what makes you feel good. You deserve to be treated with kindness."

Tears I hadn't even realized were building spilled over, hot tracks down my cheeks. I wiped at them frantically, embarrassed by the display of emotion.

"Hey, it's okay," Robert said quietly. "Crying is okay. Feeling overwhelmed is okay. All of this is okay."

We sat in silence for several minutes while I tried to collect myself. Outside, seagulls called to each other over the water, and somewhere in the distance a cable car bell chimed. Normal sounds from a normal world I was only just beginning to remember existed.

"I should go," Robert said eventually, standing slowly. "But I'd like to check in tomorrow, if that's okay with you. Maybe we could take a short walk, or just sit somewhere different for a while. Only if you're comfortable with it."

He paused at the door, his hand on the handle. "Mia? You get to say no. To anything, anytime. That's your right now."

After he left, I sat in the quiet apartment for a long time, his words echoing in my head. *You get to say no.* Such a simple concept. Such a revolutionary idea.

For the first time in eight years, someone had asked my permission for something.

And somehow, that small gesture felt like the first crack in a wall I'd thought was unbreakable.

*You get to say no.*

*I get to say no.*

Keep Watching!
The story is getting intense! Switch to App to continue reading
Unlock All Episodes
Open the Official Website

You may also like

He Comforted Her While I Lost Our Baby Novel Cover
9.3
On the night I lost our unborn child, my husband was absent. While I suffered through a lonely miscarriage in the hospital, he was busy consoling another woman. This cruel betrayal has destroyed our union, opening my eyes to the truth of my life as a billionaire's wife. I possessed every luxury except the support of the man I loved. Now, I must find the courage to walk away from the person who abandoned me during my darkest hour.
His Rejected Wife, The World's Genius Novel Cover
9.6
For four years, I played the role of Damian Nunez’s submissive wife. After taking a bullet to save his business, I returned home to find him with Hayleigh, his supposed soulmate. Damian ignored my injury, mocking me before revealing our marriage was merely a cruel bet to win a car. He saw me as a penniless orphan, but as I signed the divorce papers and stepped into a waiting luxury car, my true identity as the Carlisle heir was finally revealed.
Love unspeakable  Novel Cover
8.7
After James abandons Isabella Laurent under the false belief she is a prostitute, she loses her status and family wealth. Heartbroken, she meets Frederick, a scarred billionaire who helps her heal. As Isabella gains influence in his company, she faces Janet and Lydia, who killed her father for his fortune. Meanwhile, Frederick’s ex, Veronica, uses a fake DNA test to reclaim him. Can Isabella reclaim her legacy while surviving this web of lies?
Out of the Ashes: The Tycoon's True Wife Novel Cover
6.8
Clara Vance spent five years building Julian Thorne’s culinary fame while remaining his hidden lover. Her loyalty is met with betrayal when Julian chooses a rich heiress and leaves Clara to perish during a catastrophe. Presumed broken, Clara instead secures a marriage proposal from Victor Sterling, a powerful hotel mogul. Now linked to Julian’s greatest rival, she holds the keys to his downfall. The former orphan chef is no longer a victim; she is a tycoon's wife.
Seven Years for One Regret Novel Cover
9.1
Seven years of devotion to Lorenzo Townsend have yielded nothing but a cold refusal to commit. When his partner finally announces her upcoming nuptials, the billionaire CEO dismisses the news as an insignificant distraction from his company’s public offering. He assumes she is merely issuing another ultimatum for his hand. However, her calm smile hides a finality he doesn't expect: she is indeed walking down the aisle, but Lorenzo is no longer the man waiting at the altar.
Shared by the Obsidian Lords Novel Cover
9.1
A harrowing night at an underground gala ends with a woman branded by a ruthless crime lord. When Julian intervenes, she believes she has found safety, only for the truth to emerge in his penthouse. Julian is no hero; he is a devoted subordinate. Now trapped, she realizes she was never rescued but delivered as a gift. Caught between a violent master and his accomplice, she must endure a twisted game where her boundaries are systematically destroyed.