Danger wears many faces....Ten years ago Rachel Grant's fiancé, Thomas, disappeared. His body was never found. Now there's a stranger in town, a man who could be Thomas's twin--or his ghost.His name is Adam Delafield. He's been watching Rachel for days. He has the locket she gave Thomas before he vanished. And he says he owed her father three million dollars.But there's no record of the loan—or a shred of proof that Adam is who he claims to be. And he's always nearby as accidents begin to threaten Rachel's life.Is he an innocent man who only wants to repay a debt? Or a figure from the past with a score to settle? Rachel must expose lies and unravel stories, find out who wants her dead and why...before the next attempt to kill her succeeds.