A CRIME THRILLER BY JACQUELINE AYERS

A Matter of
Wife or Debt.

Some debts demand
more than money.

Enter the story

Embezzlement. Family secrets. Kidnapping. Murder.

THE TRUTH HAS A PRICE.Move to explore · Click to inspect
SCROLL TO UNCOVERA MATTER OF WIFE OR DEBT / A NOVEL
01 THE STORY
“How far would you go
to save someone you loved?”
A MATTER OF WIFE OR DEBT

BENEATH THE SURFACE

A life to envy.
A world to fear.

Claire and Grant Chapman have the life everyone wants. Until the secrets beneath it begin to surface.

A Manhattan brownstone. Successful careers. A place in New York’s most coveted social circles. Their friendship with philanthropist Jerome Howard and his partner Thomas McGill brings them into the world of the magnificent Howard Estate.

But behind the wealth are hidden rooms, unanswered questions, and dangerous debts. Financial deception and family secrets draw the Chapmans into a web of betrayal. When Claire disappears, the cost becomes terrifyingly personal.

How much can love survive
when everything else is a lie?

THE WORLD OF THE NOVEL

Three threads.
One unraveling life.

Look closer.
Every surface conceals something.

01 / EAST HAMPTON The estateWealth. Art. A room kept hidden.OPEN THE FILE

The Howard Estate stands on fifty acres facing the Atlantic Ocean. Behind its gardens and social gatherings, Claire discovers a private world that few people know exists.

LOCATION / THE HOWARD ESTATE
02 / MANHATTAN The debtA career built on trust. A dangerous breach.OPEN THE FILE

Grant’s promotion at Welter, Plishka and Siddall should mark a new beginning. Instead, the financial world he trusts becomes entangled in embezzlement, coercion, and loyalties he can no longer rely on.

THREAD / FINANCIAL DECEPTION
03 / CLAIRE CHAPMAN The disappearanceA missing wife. Everything at stake.OPEN THE FILE

Claire’s life at the Manhattan Art Gallery is pulled into the danger surrounding her husband. Her disappearance turns the hidden threats around them into a desperate struggle to survive.

THREAD / LOVE UNDER THREAT
02 THE OPENING

THE FIRST SECRET IS WAITING

It begins
at a funeral.

Rain. An uneasy room. A woman who knows too much.

“She kept his secrets.”

Read the complete prologue, across five reading pages. Step into the story at your own pace.

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03 THE AUTHOR

Jacqueline
Ayers.

From Southern Ontario
to the shores of Lake Superior.

Jacqueline AyersJACQUELINE AYERS

Born and raised on the outskirts of Toronto, Jacqueline Ayers now calls Thunder Bay, Ontario home. She earned a B.A. in Canadian History from Trent University and a B.Ed. from York University.

During 25 years in education, she became a Specialist in Special Education, a Specialist in Religion, and earned a Principal Certification. In 2014, she made a change and moved into finance.

A conversation with a friend encouraged her to pursue her dream of publishing her written works, including poetry, a series of children’s books, and planned sequels to A Matter of Wife or Debt.

She has three grown children in western Canada and five grandchildren, whose names have found a place in all of her books.

In her spare time, Jacqueline hikes the trails and parks around Lake Superior with her partner and their two dogs: Finnegan, a spirited West Highland Terrier, and Charley, a Havanese who never misses an opportunity for a treat.

A MATTER OF WIFE OR DEBT

Love has a price.
What would you pay?

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A MATTER OF WIFE OR DEBT
20

Prologue

The edges of a freshly dug grave began to crumble under the heavy weight of a relentless Autumn downpour. The precipitous assault had begun overnight and had not subsided as forecasters had earlier predicted.

Groundskeepers worked diligently to cover the awaiting grave, but to no avail, at this point, there was nothing they could do but watch the frost-nipped ground guide torrents of rainwater into the open grave without remorse.

The funeral director, a lanky man with a long oval-shaped head, topped with painfully thin, gray-blond hair, greeted guests arriving for the afternoon funeral, at Smith and Walterman Funeral Palace.

Through a thinly veiled scowl, the Director repetitively announced that, due to inclement weather, the funeral service would be delayed, as he begrudgingly guided rain-soaked guests towards the hospitality suite; all the while, expressing his hope that the rain would clear up soon.

Newly arrived guests complained about the bothersome delay in the service, declaring that they had more important places to be, while others, ignoring the solemnity of the occasion, chatted gleefully while they gorged on an assortment of complimentary refreshments included in the frugal funeral package.

Much of the chatter about the room centered on pretentious frivolity and boastful arrogance. Presumptive whispers about the contents of the decedent’s Will, traveled like wildfire around the room as guests deliberated on the complications of finding a replacement at the firm and of course, there was no shortage of gossip and allegations.

Guests in the tiny suite greeted each other informally, as though the occasion was jovial in nature; cavorting amongst each other as though long-lost friends at a reunion. However, to the elderly woman who stood ominously silent alongside the lonely brown coffin, this was an important occasion: the finality of a treasured relationship and an end of an era.

Original cover of A Matter of Wife or Debt by Jacqueline Ayers