Erika’s world was incinerated when she fell into a predatory loan scheme orchestrated by the ruthless Carl. On the brink of ruin, she is unexpectedly rescued by the powerful Sawyer. However, her savior’s help comes with a catch: Sawyer only views her as a mere stand-in for his lost first love. As Erika navigates the dangerous waters of high society as a substitute, Sawyer begins to find himself captivated by her genuine heart. When Carl's hidden conspiracies and the truth behind Sawyer's past finally collide, Erika must decide if she can win the heart of a man who only wanted a ghost. A sweet and intense modern romance. Happy ending follows.