Christmas for the last three years has been nothing but a reminder of everything Nickolas Saint has lost. Everything about this time of year puts him in a funk and just when he's about to allow his depression to settle in, Christmas brings him Hope. Hope Holiday is a woman who will do anything for her children even if that anything means taking what doesn't belong to her. When she's faced with the consequences of her actions, she's forced to make a deal with the modern day Scrooge. Will her debt be the only thing she has to pay?
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