Jacobia "Jake" Tiptree has come a long way from her past as a financial adviser to the wealthy and villainous. She has settled in Maine, married again, and spends time repairing her 200 year old home. One of her last acts as a financial adviser will come back to haunt her.

Jake denied a request for a $50,000 loan by a man who continuously gambled away any money he had. His son was with him for that last visit and remembers Jake's refusal. When his father disappears, Stephen Garner, Jr. decides that Jake will pay for his father's murder.

Stephen grew up with a mother who was descending increasingly into mental illness. He has struggled with mental illness as well but his intention to kill Jake is immutable. His mother's paranoia kept him indoors much of the time allowing him to develop strong computer skills which he puts to use in his taunting of Jake.

His campaign of terror has Jake, her friends, family, and her husband's relatives on the lookout and concerned for Jake's safety.

This is a rather chilling book given the campaign of terror that the reader gets to follow. There is no doubt about the perpetrator but that doesn't make it any less disturbing. Ms. Graves has written an engrossing series with Jake once again in real danger which she barely manages to escape.