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Fourth Debt (Indebted #5) by Pepper Winters

“Live for me. Breathe for me. Come back to life for me.”



How a book series can go from strength to strength on this scale is beyond me. This book just flew by for me. I couldn’t put it down the first time I read it and I couldn’t put it down this time.

I'm reading, I’m piecing it all together and it’s slowly beginning to feel like I get it. So, why do I feel like I don't actually understand it at all? That there is more coming in The Final Debt than we’ve been lead to believe there is and that it’s going to knock me on my butt?

And most importantly, why does that excite me as much as it does?


This book is so cleverly written—each page haemorrhages emotion the bleed from the pages and soak into your very being. The details that fill every chapter carry the characters and the plot racing towards the finale and I wasn’t entirely sure I wanted it to get there but was also desperate to get there in equal torturous measures.

There are so many moments in this book that made me feel physically sick, I thought the debts would be the worst of it, it turns out, that was merely the start. There were so many moments that made me hate the people involved—at this point I don’t know if I hate Daniel, Cut or Bonnie the most. They’re all absolutely vile and so wonderfully written.


Nila goes through so much in this book and yet fights so hard to keep pushing, keep true to who she is. She has so much strength that is tested over and over again and yet she does it. She keeps going when put in the most disgusting and terrifying situations.

What can I say about Jethro? He shows us once again just now strong he is. His strength isn’t always physical but mental. It’s in his ability to show vulnerability and sensitivity—people often view those traits as weak, but they’re wrong. So very wrong. To be truly vulnerable and to remain sensitive in the cruelest world IS strength.


As the final page turns we’re left gasping and hoping the story goes where we need it to go. Nila and Jethro have navigated the storms, they've fought for what's theirs... but will they get all they dream of in the end?

Pepper is the master of darkness and complex, twisted storytelling, she creates worlds that I’ve never ever read before—she’s absolutely incredible.

Five HUGE stars for Fourth Debt!


Needless to say, if you’re unsure if dark is for you, then please do your research and read the trigger warnings for this book. 

It’s not light. It’s not fluffy. Please read responsibly.

You can find trigger warnings on Pepper's website.

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