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

Affair Cost Her the Baby Novel Cover
8.2
Seraphina’s three-year marriage collapses when she uncovers her husband’s secret affair. The devastating betrayal leads to a tragic accident, costing her the life of her unborn baby. Broken but resolute, she seeks to escape the toxic union and reclaim her freedom. However, her powerful billionaire husband refuses to grant a divorce. Seraphina must now navigate a grueling path of healing and revenge, ensuring he pays for every ounce of her suffering.
After His Heartless Betrayal Novel Cover
8.0
Chloe's three-year marriage ends in devastation when billionaire Xander demands a divorce to return to his ex-lover. Despite her unwavering loyalty and a secret pregnancy, he heartlessly casts her aside. Now facing a life in ruins, Chloe must find the strength to endure his cruel abandonment. Determined to survive the agony of his betrayal, she chooses to hide her unborn child while moving on from the man who broke his promise of forever.
After His Mistress Caused My Miscarriage, I Divorced Him Novel Cover
9.6
Three years of marriage ended in agony when my husband’s mistress caused my miscarriage. His chilling lack of empathy regarding our lost child revealed the truth of our hollow bond. Choosing self-respect over a lie, I finalized our divorce to build a new life. Yet, as I move on, my billionaire ex-husband has become dangerously obsessed with my affection. The man who once ignored my pain now desperately begs for a redemption he may never earn.
He Cheated with the Girl Next Door Novel Cover
8.9
Ava's world shatters after three years of marriage when she uncovers her billionaire husband Liam’s secret affair with Chloe, their neighbor. Devastated by the betrayal of the man she loved, Ava chooses to abandon her lavish lifestyle. As she navigates a complex divorce and the agony of infidelity, she embarks on a journey to rediscover her true self. This story follows her struggle to overcome lies and find the courage to begin her life anew.
Reborn Heiress: Divorcing My Ruthless Husband Novel Cover
7.4
Waking up after a crash, Alaya realizes she has been reborn three years before her death. While she mourns her lost child, her husband Hardy remains cold, prioritizing his mistress over Alaya’s life. After discovering someone drugged her failing heart, she uncovers a dark plot: Hardy is only keeping her alive as a donor for his lover. Refusing to be a sacrificial vessel, Alaya leaves her ring behind and demands a divorce to escape his deadly game.
STOLEN MEMORIES Novel Cover
7.1
Selene, a gifted intern hiding a fractured history, infiltrates the corporate realm of cold billionaire Darius Vane. Her goal is sabotage, not success, as she seeks to dismantle his empire from within. However, the unexpected arrival of a long-lost brother and the emergence of buried secrets complicate her mission. Caught in a web of lies, Selene faces a final choice between total vengeance and a chance at redemption as the past threatens to consume her.