Joe Tyler finally has his daughter – and the answers to what happened that fateful day years ago. After spending nearly a decade searching for her, Elizabeth is home and the people who were responsible for her disappearance were tried and convicted through Joe's own personal system of justice.

Life should be perfect.

But it's not.

Because Joe Tyler has debts to pay.

John Anchor, the man who helped find Elizabeth, did so at a cost. And now he's at Joe's doorstep, looking to collect. All Joe wants is to to hang up his investigator's hat and create a life with Lauren, Elizabeth and the new baby on the way. He knows he owes Anchor but when Joe learns what he wants, he realizes something else, too.

Paying back his debt may require a bigger payment than he imagined.

But not paying it back may cost him even more.