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Publisher's Summary

"You will never mention me or my favors, nor will you disclose what favors we trade. I am a ghost to you.” Or a genie. I think a genie is way less scary, don't you?

It’s official. I, Ainsley James, am crazy. Desperate and crazy. It’s the only explanation as to why I’m nauseous, standing outside Maverick Lexington’s door. I mean, it’s possible the stories about his deck of playing cards - with the letters IOU scrawled across the back - are just rumors of the ruthless quid pro quo deals he barters. But the flutters in my stomach know better. Maverick is as cold as they come. But, I need one of those cards. I need to owe Maverick Lexington a favor....

©2020 Kristy Marie (P)2021 Kristy Marie

What listeners say about IOU

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    5 out of 5 stars
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  • Panda
  • 26-09-21

LOVE LOVE LOVE Finally can listen to while busy

I read IOU first, and I loved it so much I bought the kindle version, then I bought a signed paper back, and FINALLY now I have it on audible. I loved this story so much I have 3 copies, and now with this audio version I can listen to when ever I want to revisit this book.

This story is funny and so cute. I love how he is the perfect book boyfriend, well for me he is and the fact that Jacob Morgan plays Maverick is a dream. Jacob Morgan is one narrator I could listen to all day every day. Heather Firth did great job as well for Ainsley.

This story was the book that got me hooked on Kristy Marie's books, I love how she makes her heroines quirky, and her hero's strong and sweet. and all her characters have some serious issue or flaw that makes them more human. I could go on raving about this book...def my top 5.

Kristy Marie cant wait for more..

7 people found this helpful

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  • Franci Neill
  • 01-10-21

5 So Many Debts Stars!!

******UPDATED TO REFLECT MY THOUGHTS ON THE AUDIOBOOK*******
I've read and listened to a lot of books since I first read this book mid-last year so it was a joy to get to experience this book again with the fabulous narration of Jacob Morgan and Heather Firth. Bringing to life all the sarcasm of Maverick and the sassiness of Ainsley had me at times cracking up. I forgot how much these two "argued." I'm still thinking about different moments in this book that had me laughing or swooning or even a little heartbroken becasue Mr. Morgan and Ms. Firth did such a good job not only with Maverick and Ainsley but all the secondary characters as well. I know for a fact that I'll be listening to this book again in the very near future!

This is my second book by Ms. Marie and I can honestly say I’m in love with her writing. This story had so much more than I was expecting. It’s a great slow-burn with humor in the most unexpected moments that just lightened up not only the situations Ainsley finds herself in, but Ainsley and Maverick themselves.

Ainsley is a girl that followed a guy thinking their lives were meant to be spent with each other and all that goes up in flames one night and she finds herself with no where to sleep…until with a little help fate steps in to rescue her in the form of Maverick. And this guy, he’s worked the system to the point where almost everyone on their college campus and elsewhere owes him a favor… you see, that’s his schtick! He’s got a never ending supply of playing cards and a marker and he whips them out with speed and agility and makes things happen… and Ainsley is in desperate need of some favors even if she doesn’t want to accept his cards!

She just has a way of talking her way into his apartment for the night…or is it longer? Maverick is a man that lives his life in a very regimented manner for good reasons which as the story moves along we get hints at. But what this man also does is that he doesn’t like to see people he cares about be trodden on and Ainsley has wiggled her way into his heart even if he doesn’t want to admit it.

I loved how this girl just entered his life with a crash and while she’s trying to find her footing, they’re forming a friendship neither was expecting. There are moments in this book that are full of heat but also with emotions that couldn’t be contained. They’re building a relationship and friendship without even realizing it…

"He's where my loyalty lies. He's my genie in the apartment and . . . my friend."

And trust me when I say this friendship is tested on more than one occasion. But what’s great about both of them is that they build a trust that no one expects and when that trust is broken, or perceived to be broken, hearts just may be broken.

I loved how Maverick accepted, sometimes begrudgingly, Ainsley’s quirks. She is exactly what he needs and when some of his secrets come out, she doesn’t blink an eye, just does what’s needed to make sure things happen the way they’re needed to happen! Very vague I know, but there’s a reason!

There’s a cast of secondary characters in this book that play integral roles in both their lives and I loved all them…some more than others! All of them are a family of their own making and they bring just the right amount of support in their own ways to each other’s lives. This book is a definite must read if you’re looking for a great friends-to-lovers, opposites attract book with just the right amount of sizzle, lots of laughs and heartfelt moments.

5 people found this helpful

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  • Trish- Late Knight Luna Reads
  • 02-10-21

Witty and hilarious!

I loved this book. It was funny, witty, hot and emotional. Maverick and Ainsley are both firecrackers who keep each other in line.

When you're in college and need a favor, you seek out Maverick. In turn, an IOU is issued to you and when Maverick wants it redeemed, you redeem it. He is the unofficial king of campus. His IOUs are infamous. Ainsley is a fun chick who is used to being on her own but ends up needing Maverick's help. However, she seems to be the only one to immune to his charms and reputation. The two develop a interesting friendship.

This book had me laughing out loud so many times and I could not put this book down. I seriously want more from Maverick and Ainsley.

Jacob Morgan was the perfect Maverick. He nailed all of his sarcasm and when he was most vulnerable. Heather Firth is a new to me narrator and I’m looking forward to listening more of her work.

2 people found this helpful

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  • Amazon Customer
  • 29-11-21

Okay, but most bland bada$$ ever…

It’s fine. Lacking b/c he is supposed to be the
bada$$ who everyone is scared of. Calls in favors, blah blah. That story line isn’t developed at all. Asking friends to move her stuff isn’t a bada$$ calling in a favor… snooze. Sex scenes and narration pretty good.

1 person found this helpful

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  • Miranda K
  • 02-10-21

Absolutely Perfect!!

The narrators are absolutely perfect for Maverick and Ainsley. I don't know how they can do it, but they pulled me in so fast and hard, the next things I knew, the book was over and I was ready to hit play again. Amazing audiobook for an amazing story.

IOU Forever!

I found my Book Bestie and her name is Ainsley. How can you not love her with her quirky, hilarious, take no prisoners personality who has a love of sea lions.
I'm not sure if I've ever smiled so much through a whole book as I did with this one. Laughing so much throughout.

I for one would love to owe Maverick as many IOU's as he would like. He is mysterious, cocky yet secretly sweet, caring, and just perfect.
The nonstop banter between thee two--the snarky comments, chemistry was perfect. They were perfect in their own non-perfect ways.

This is my first with the audiobook but my second time reading this and it makes me want to start it all over again. This is the book that opened me up to this author and has not disappointed me since. Where has she been all my life?

1 person found this helpful

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  • Rachel (Rrbookreviews)
  • 29-09-21

Perfect pair

Audio Review Only: 5/5 🎧
#iou by @authorkristymarie

I loved this book when I first read it. Ainsley is crazy. But I totally want to be friends with her. Maverick has a thick exterior but deep down he really does care.

@therealjacobmorgan and @heatherfirthnarrator did an awesome job with the narration. I thought it was the perfect pair to do this. If you like Kristy books, and listening to audio. This is one for you!

1 person found this helpful

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  • Stital
  • 28-09-21

Hilarious, Sassy and All Around Perfection!

Sassy, cynical, hilarious and intense, IOU is absolute perfection.
I am completely enamored with these characters, and hold them close to my heart.
Ainsley is my spirit animal, well, spirit person, and boss restored my faith in humanity.
And Mav... Mav is just the sweetest A-hole ever. He is such a classic beast - and those are my favorite book boyfriends.

This was the first book I ever read from Kristy Marie and what triggered my obsession, so of course I had high expectations from this Audiobook and it's narrators and Heather Firth and Jacob Morgan did not disappoint. They were both absolutely fantastic and managed to breath so much life into some of my all time favorite characters! Jacob Morgan is one of my favorite narrators, I could honestly listen to his gruff and growly voice for hours on end.

A perfect execution for an amazing story and the easiest recommendation I ever gave.

5 stars and a sea lion.

1 person found this helpful

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  • C Reads
  • 19-07-22

I've been wanting to reread this story and as soon as i found out about this audiobook i knew it'd be the perfect chance to do so! I couldn't wait to experience this story again in this new way. Once again, i got so into this story so fast! I loved this listen!

Having listened to both Heather Firth and Jacob Morgan many times before i was so happy when i found out they'd both be narrating IOU! Both Heather and Jacob had me glued to my earbuds!

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  • Jocelyne
  • 18-07-22

I loved it!

This is the first book in the 21 Rumors Series. Wow! I loved it! Ainsley and Maverick's story is original, funny, and sweet. Ainsley is such a wonderful character, sassy, and beautiful. Maverick is enigmatic, and protective. They definitely are perfect together. I loved to follow them in their journey to love. This is a sweet slow burn romance. I liked their banter. The supporting characters are great. Heather Firth and Jacob Morgan did an excellent job with the narration. They are perfect as Ainsley and Maverick. I enjoyed it. Looking forward to listening to The Pretender, the next book in the series.

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  • @bookish_kayy
  • 10-07-22

IOU

I AM IN LOVE!
Ok, I know I say this a lot, but it’s true, and I don’t care who knows it.
Ainsley is a hot mess, with a lot of bad luck, and a little bit of the good sprinkled in.
Maverick is a legend, terrifying in his own ways.
When the two come together, a lot of things happen.
Lessons are learned, growth definitely happens here, and so much love is shared amongst all of the characters in this book.

PS: the narration is to die for! 😍

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  • Cathy Cay
  • 29-10-21

Great story

I really enjoyed listening to this book
Ainsley and Maverick stole my heart,with their sexy sweet romance.
I was captivated from the very beginning to the end.
Jacob Morgan and Heather Firth's Narration was Excellent.
I highly recommend this Fantastic book.

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  • Kodie mackay
  • 05-10-21

First time listening, third time reading. SOO GOOD

I'M BACK!!!
So I just listened to IOU and now I'm going to say something I never thought I would...
I PREFER listening to it. I mean that's a shocking statement for me whom prefers a physical book over anything else period. HOWEVER... there is something about this book, I think the combination of humour mixed with their palpable chemistry just makes for such a great listening experience. I laughed so hard. Harder than when I read it despite knowing what was coming. It's just different when you hear it. It also helps that I loved the narrators, they just breathed life into the story and brought the characters to life in a different way. So yes.. Ainsley and Mav are one of my top couples from Kristy. Everything from the chemistry to the bickering and banter and hilariously outrageous happenings.. I never wanted it to end. Its the fastest I've listened to a audio book, I legit devoured it like was gasping for more. AND!!!, Mav's brother is coming SOON. AHHHHH. I need it.

###First read review-

Maverick and Ainsley's story was a total blind read for me. It just popped up on my recommendations and it was by Kristy so I got it. I also did not expect it to intertwine in a cheeky way with the commanders series and I'm fuimg I have to wait for THAT book. What a tease.

Ainsley is my soul sister. The girl is hilarious in everything she does, that includes setting fire to her own apartment with her cheating ex and h$* of a roommate in there. Girl power right there. This poor soul gave up her dream for her tiny todgerd ex and yet she found herself completely puck out of luck and sleeping in her car because she had nowhere to go. I respected her strength, I loved her fight and the fact she just couldn't help but blurt out every thought she had. She just has this way of pulling you in and making you love her. Even if some people didn't want to, she didn't really give you a choice.

Maverick is the wish giver of the campus. He's closed off, super secretive and definitely not in the market for a roommate. He dishes out favours like an STI clinic gives out condoms but there is always a catch with his IOU's, they just don't know it at the time. I loved his grumpy attitude and need to control everything. It made for a super entertaining read as he tried to resist Ainsley and her firecracker antics. Under all that broody was a sweet loyal family man who pushed himself to help the ones he loved and I can't fault that.

Ainsley and Maverick had me crying laughing more times than I can count. The hilarious bickering, banter and teasing only served to push them closer togetting building the tension higher to the point is was palpable through the pages. Their undeniable chemistry and ever blossoming connection was just the absolute sweetest and it was so entertaining to read them try and fight the feels. I honestly could not get enough of the crazy antics. From Ainsley bathing in a beer pool on the sidewalk and screaming her own name out in the mits of seggs, to Mavericks ever growing pile of favours he dished out to her and to his sweet ways of building her up and making her feel good in herself. These two never once failed to crack me up, make me swoon and just completely make me fall in love with their crazy antics and sweet friendship to relationship. They are goals.

It's pretty drama and angst free. It's the most satisfying feel good kind of romance that gives you a little of everything. The characters are phenomenal and the story is seamlessly written and flows perfectly from one page to the next. There is never a dull moment in here with a host of entertaining characters, some sneaking teasing surprises and a story that leaves you feeling so completely satisfied.

My greedy self just wants more.