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245 pages, Kindle Edition
First published April 29, 2020


Sure, I've noticed sexy qualities here and there. Especially his dark, messy hair and tattoos. But he always has a shield up. That shield keeps you from enjoying the hottest things about him, like his smile. His quick-witted personality. And his beautiful broken heart.
- Girl, I get you.
I want everything from Ainsley James. Every second of crazy. Every angry word. I want it all. Every inch she's willing to let me see.
- Yeah, Maverick will grow on you for sure.
Ainsley is now kicked out of her apartment and banned from the building. After a few days of being homeless and desperate, she is now knocking on Maverick's door for a favor. Maverick is moody, to say the least, and sexy as hell. Maverick does let Ainsley stay with him against his better judgment until he finds her a new place. For each favor he gives her, she has an IOU to him.
The banter between the two is funny. Maverick has his rules and walls up, and Ainsley keeps breaking his rules and puts up with nothing ,says how it is.
And that’s what I adore about her. She is who she is. Take her or leave her—she conforms to no one. Not even me.
I loved how Maverick accepted Ainsley for how she is, didn't try to change her, and helped encourage her with her dreams. They are both what they exactly need.
If you are looking for a book to help lift you, I recommend IOU

1. Takes itself way too seriously with absolutely no reason too.
So much forced intrigue and ~*mystery*~ for something that really isn't that big a deal.
2. "Quirky" girls, who aren't quirky they just speak with a lot of exclamation points and have very little social skills.
But what do you know, a lot of that shit disapears after getting together with the hero and magically she's just a lil cutie you wanna cuddle for being so dorky aWwWwz.
3. Inappropriate reactions to people being shitty.
Granted the book did address how fucking awful Taylor and Tucker were but goddamn I feel like only Ainsley had an realistic reaction to it. Everyone else was like... "sweetie, time to get over it. It's been 3 hours, why are you still stuck on this???"
Who brushes their teeth in the shower? Never mind. Of course she brushes her teeth in the shower.
