He saved Frankie’s life. Now Frankie owes him everything — including, possibly, his own life…
Frankie Armstrong has hit rock bottom. His wife has left him. His future looks bleak. Then an unexpected phone call from Joe — the American soldier who dragged Frankie out of the line of fire in Iraq — pulls him back from the edge. The favour seems simple enough: fly to Florida, find Joe’s missing nephew, come home. But nothing in Florida is ever simple.
Within hours of landing on the sun-drenched Gulf Coast, a missing person case spirals into something far darker. Mafia thugs. Sunken treasure. Murder. And a million-dollar secret that Joe forgot to mention. With only a stray dog for backup, Frankie races to stay one step ahead — of the police, a ruthless PI, and killers who don’t take prisoners. But the closer he gets to the truth, the more he wonders: was he sent here to save someone, or to be silenced?
You Owe Me is a pulse-pounding crime thriller packed with sharp wit, sun-soaked atmosphere, and twists that will leave you breathless.
Review:-
“You Owe Me, grabs you by the throat and doesn’t let go. So many twists and turns, it keeps you glued till the end. An absolute ‘must read’ for any lover of crime thriller stories.” Joe Mainous Director (retired) University of Kentucky









