N.J. Walters – March 2014 (Mature Content)

waltersblue0314N.J. Walters

“One night in my bed.”

That’s what Derek Montague wants from Kaitlyn Jacobs in order to pay off the debt her younger brother owes. Now she has a choice to make.

Derek’s wanted the standoffish Kaitlyn for years. Using her brother’s debt as an excuse to get closer to her, he gives her one option if she wants to settle it—spend one night in his bed. He expects her to throw the offer back in his face, but she agrees.

After one long, hot night of loving, Kaitlyn discovers everything is not what it seems. She’s not sure if Derek has made a fool of her or if this debt of honor could be something more.

A Romantica® western erotic romance from Ellora’s Cave

Buy it today!



Kaitlyn Jacobs stared at the ripped check sitting in the middle of the large desktop and then back at the man who’d torn the darn thing in half. She clutched the pen in her hand so tightly she was half afraid it was going to crack. It took all her concentration to make herself relax. But then, Derek Montague always had that effect on her.

He leaned back in his massive leather chair, a big man in control of his world. He owned one of the largest ranches in West Texas and his family had made their money from oil, cattle and horses. His empire was diverse and it took a strong man to handle it all. But Derek did it with ease.

Kaitlyn had been forced to sell most of her family’s land years ago when her parents had been killed in a car accident. At eighteen, she’d been ill-equipped to run the place on her own and Daniel had only been eight, a bewildered, angry child who’d needed her attention. Derek had been twenty-five then, a man in every sense of the word. He’d bought her land at fair market value and offered to help her in any way he could. His dark eyes had pierced her skin and her heart when he’d made the offer. She’d taken the money for the land, but she’d never asked him for anything, not until today.

“Why?” she asked, her voice flat.

“Because your brother is eighteen. He’s a man now, not a child. It’s time for you to stop bailing him out of the trouble he gets himself into.” Derek rested his hands on his flat stomach. “Hell, Kaitlyn, you’ve been pulling him out of scrapes since he was a kid. It’s time to cut the apron strings and let him grow up before he gets himself into some real trouble.”

“You don’t consider joy riding over your fields and leaving the gate open so a dozen of your cattle got loose real trouble?”

One corner of Derek’s mouth kicked up. “I did as bad at his age, but I paid the price and I learned there are consequences for my actions. He needs to do the same.”

She hated anyone telling her what her brother needed, especially when she knew they were right. Still, she needed to pay for the damage to the field and the gate. Thankfully, none of the cattle had been hurt and had been rounded up easily and returned to their rightful home or the hit to her checkbook could have been worse.

She knew Daniel was getting out of control. This past year, the quiet, cooperative brother she’d known had totally disappeared. She was just glad he was still in school and only had a few weeks until graduation. That was one hurdle they had to get over before she started trying to prompt him toward a career of some kind.

“Take the check, Derek.” She started to write another one.

“I don’t want your money.”

She stopped writing and glared at him. “Then what do you want?”

Something hot and primal flared in his eyes and his face hardened. “Something you’re not willing to give me.”

“How do you know?” It was foolish to taunt him. Like waving a red flag at a bull, but she was beyond caution. She’d been cautious her entire life, or at least since she’d become sole caregiver for an eight-year-old. For ten years, she’d worked at the local bank, kept her head down and stayed out of trouble, pushing aside her own dreams to take care of the only family she had left.

She’d never had regrets until these past few months. Daniel was slipping away from her and she didn’t know how to stop that from happening.

Anger and frustration pushed her as she shoved her checkbook and pen back into her purse. “Well, what will it take to cover the debt?”

“One night in my bed.”

Derek stared at the woman facing off against him. She was full of fire and determination and he wanted her. Hell, he’d wanted her for the past decade, but she stayed away from him as though he had the plague. The only thing that made it anywhere near bearable was the fact she treated all men the same. Oh, she’d had a couple of relationships over the years, but they’d never lasted long. A lot of men didn’t want to take on a woman who had responsibility for raising her younger brother.

Right now, his cock was hard as a fencepost and throbbing like a toothache. If she knew half of what he was thinking she’d run from his office and never look back. He still couldn’t believe he’d uttered those words to her.

He should feel like a bastard. Hell, most everyone thought he was anyway. He liked to think he was tough, but fair. He’d wanted Kaitlyn for years and wasn’t about to toss aside this opportunity. He’d worry about his conscience tomorrow.


About N.J. Walters

N.J. has always been a voracious reader, and now she spends her days writing novels of her own. Vampires, werewolves, dragons, time-travelers, seductive handymen, and next-door neighbors with smoldering good looks—all vie for her attention. It’s a tough life, but someone’s got to live it.

Website: http://www.njwalters.com

Blog: http://www.njwalters.blogspot.com

Newsletter Group: http://groups.yahoo.com/group/awakeningdesires/

Facebook Author Page: https://www.facebook.com/N.J.WaltersAuthor

Twitter: https://twitter.com/njwaltersauthor

Amazon: http://www.amazon.com/author/njwalters


Also by N.J. Walters

Ellora’s Cave Publishing:

Katie’s Art of Seduction-Awakening Desires, Book 1 (E-book) & (Print)

Erin’s Fancy-Awakening Desires, Book 2 (E-book) & (Print)

Capturing Carly-Awakening Desires, Book 3 (E-book)

Craving Candy-Awakening Desires, Book 4 (E-book)

Enticements-(Print—Contains Capturing Carly and Craving Candy)

Jackson’s Jewel-Awakening Desires, Book 5 (E-book) & (Print)

MacNamara’s Lady-Awakening Desires, Book 6 (E-book)

Touch of Topaz-Awakening Desires, Book 7 (E-book)

Stroke of Sapphire-Awakening Desires, Book 8 (E-book)


Harker’s Journey-Dalakis Passion, Book 1 (E-book)

Lucian’s Delight-Dalakis Passion, Book 2 (E-book)

Dalakis Embrace- (Print—Contains Harker’s Journey and Lucian’s Delight)

Stefan’s Salvation-Dalakis Passion, Book 3 (E-book) & (Print)

Eternal Brothers-Dalakis Passion, Book 4 (E-book) & (Print)

Endless Chase-Dalakis Passion, Book 5 (E-book)


Annabelle Lee-Summerville Secrets, Book 1 (E-book)

Heat Wave-Summersville Secrets, Book 2 (E-book)

Summersville Heat- (Print—Contains Annabelle Lee and Heat Wave)

Lily Blossoms-Summersville Secrets, Book 3 (E-book)


Christina’s Tapestry-Tapestries, Book 1 (E-book)

Bakra Bride-Tapestries, Book 2 (E-book)

Tapestry Dreams- (Print—Contains Christina’s Tapestry and Bakra Bride)

Woven Dreams-Tapestries, Book 3 (E-book) & (Print)

Threads of Destiny-Tapestries, Book 4 (E-book) & (Print)

Embroidered Fantasies-Tapestries, Book 5 (E-book)

Fabric of Fate-Tapestries, Book 6 (E-book)

Strands of Love-Tapestries, Book 7 (E-book)


Embracing Silence-Project Alpha, Book 1 (E-book)

Have Mercy-Project Alpha, Book 2 (E-book)

Sweet Charity-Project Alpha, Book 3 (E-book)


Beyond Shadows-(E-book)

Out of Shadows-(E-book)


Seeking Charlotte-Hearts of Fire, Book 3 (E-book)

Entwined Hearts-Hearts of Fire, Book 5 (E-book)


Amethyst Dreams-Companion book to Amethyst Moon (E-book)

Amethyst Moon-Birthstone Series (E-book)


Three Swords, One Heart-Torrid Tarot Series (E-book) & (Print)


Double or Nothing (E-book)


Anastasia’s Style-Valentine Vixens Quickie (E-book)

Candy Caresses-(Print Anthology containing the Valentine Vixens Quickie, Anastasia’s Style)


Drakon’s Treasure-Autumn Animalia Quickie (E-book)

Feral Fixation-(Print Anthology containing the Autumn Animalia Quickie, Drakon’s Treasure)


Jessamyn’s Christmas Gift-White Hot Holidays Quickie (E-book)

White Hot Holidays 3-(Print Anthology containing my White Hot Holiday Quickie, Jessamyn’s Christmas Gift)


Debt of Honor (E-book)

Lady’s Minstrel (E-book)

Lassoing Lara (E-book)

Tempting Tori (E-book)

Tracking Talia (E-book)

Unmasking Kelly (E-book)

Over Time, Under Him-(Pocket Books Print Anthology containing EC Quickie Unmasking Kelly)

Trick or Treat-(Pocket Books Print Anthology containing EC Quickie Unmasking Kelly)


Ellora’s Cavemen: Legendary Tails IV (featuring “A Love Eternal”) (E-book) & (Print)

Ellora’s Cavemen: Dreams of the Oasis IV (featuring “Shadows Stir”) (E-book) & (Print)

Ellora’s Cavemen: Seasons of Seduction III (featuring “Sunshine for a Vampire”) (E-book) & (Print)

Ellora’s Cavemen: Jewels of the Nile IV (featuring “Moon Magic”) (E-book) & (Print)


Samhain Publishing:

Discovering Dani-Jamesville, Book 1 (E-book) & (Print)

The Way Home-Jamesville, Book 2 (E-book) & (Print)

The Return of Patrick O’Rourke-Jamesville, Book 3 (E-book) & (Print)

The Seduction of Shamus O’Rourke-Jamesville, Book 4 (E-book) & (Print)

A Legal Affair-Jamesville, Book 5 (E-book)

By The Book-Jamesville, Book 6 (E-book) & (Print)

Past Promises-Jamesville, Book 7 (E-book)

Jamesville Affairs-(Print—Contains A Legal Affair and Past Promises)


Alexandra’s Legacy-Legacy, Book 1 (E-book) & (Print)

Isaiah’s Haven-Legacy, Book 2 (E-book) & (Print)

Legacy Found-Legacy, Book 3 (E-book) & (Print)

Quinn’s Quest-Legacy, Book 4 (E-book) & (Print)

Finding Chrissten-Legacy, Book 5 (E-book) & (Print)

Damek’s Redemption-Legacy, Book 6 (E-book) & (Print)

Craig’s Heart-Legacy, Book 7 (E-book)


A Touch of Magick-Spells, Secrets & Seductions, Book 1 (E-book) & (Print)

Dreams of Seduction-Spells, Secrets & Seductions, Book 2 (E-book)

Love in Flames-Spells, Secrets & Seductions, Book 3 (E-book)


Night of the Tiger-Hades’ Carnival, Book 1 (E-book) & Print)

Mark of the Bear-Hades’ Carnival, Book 2 (E-book)

Pride of the Lion-Hades’ Carnival, Book 3 (E-book)

Howl of the Wolf-Hades’ Carnival, Book 4 (E-book)


Carina Press:

The Gift of Shayla (E-book)


Running Press:

The Mammoth Book of Hot Romance (featuring “Blind Date”) (Print)


Interview with Holly Hewson

HH: NJ, thank you for talking with us at The Romance Studio. Your featured book is Debt of Honor. Where did you get the idea for this sexy romance?

NJ: Thanks for having me here at TRS!

Debt of Honor came out of the idea of a woman owing a family debt to a man she’s always secretly wanted. What she doesn’t know is he’s always wanted her too. When he demands to have her one night in his bed as payment, she’s not as opposed to the idea as she probably should be.

HH: What do you like best about Kaitlyn and why will readers like her?

NJ: Kaitlyn is a woman who takes her responsibilities very seriously. She’s raised her younger brother on her own and has given up many of her own dreams in order to do so. But she hasn’t quite lost her adventurous streak or her sense of hope.

HH: What do you like best about Derek and why will readers love him?

NJ: Derek is a tough, hardworking cowboy who knows what he wants and isn’t afraid to use whatever means are at his disposal in order to get it. He also has a yearning for a wife and family and isn’t afraid to show his softer side to the right woman.

HH: What makes this work different from your other stories?

NJ: In many ways it’s not so different from many of my other stories. I’m all about the “happily ever after” and the sometimes difficult journey it is to get there. For me, it’s all about the characters and this is Derek and Kaitlyn’s unique love story.

HH:  What else do you have in store for lucky readers?

NJ: Lots! I just signed two contracts with Ellora’s Cave for the first two books in a new contemporary erotic romance series. Watch for Mad Loving and Wild Loving later this year!

And for all those readers who have been emailing me asking for more Hades’ Carnival books, they’ll be happy to know I just signed contracts with Samhain Publishing for three new Hades’ Carnival novellas—Heart of the Serpent, Flames of the Phoenix and Lure of the Jaguar.

I also have a brand new werewolf romance series being released by Samhain Publishing. Wolf at the Door, the first book in the Salvation Pack, will be released on April 15th. And I’ve already signed contracts for books two and three.

HH: What do you enjoy most about being an author?

NJ: I love creating something from nothing, crafting love stories that readers enjoy. And I love the readers. I have the best ones in the world. They’re so incredibly supportive in every way. I feel very blessed.

HH:  What experience or experiences in your writing career have defined you to this point?

NJ: That’s a tough question. There are so many moments that stand out. I think it has to be the readers. I’m continually shocked and amazed by their support. I’ve written in many different genres, but they’re always willing to go with me for the ride. Whenever I feel discouraged about my work their kindness inevitably picks me up and gets me back to work at the keyboard.

HH: What goals have you set for yourself at this point in your career?

NJ: My goal is to keep improving as a writer with each book and continue to release books I hope readers will enjoy.

HH:  What do you enjoy reading?

NJ: Romance! No surprise there. My favorite genres are paranormal, historical and contemporary. I also enjoy reading self-help books and some biographies.

HH:  Where can readers find you online?

NJ: Readers can find me at:

Website: http://www.njwalters.com

Blog: http://www.njwalters.blogspot.com

Newsletter Group: http://groups.yahoo.com/group/awakeningdesires/

Facebook Author Page: https://www.facebook.com/N.J.WaltersAuthor

Twitter: https://twitter.com/njwaltersauthor

Goodreads: http://www.goodreads.com/NJWalters

Amazon: http://www.amazon.com/author/njwalters

One Comment

  1. Ditter Kellen
    Mar 06, 2014 @ 21:06:49

    I loved the excerpt! I didn’t realize you had so many books! I’m all over that. You are a fantastic writer!


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