An old woman, a haunted house, and a terrifying ledger of missing souls. When a journalist digs too deep into a local legend, he discovers his own family is already part of the story—and payment is past due.

SYNOPSIS:

In the shadowed streets of East L.A., a crumbling Victorian house looms like a forgotten curse. Locals call its inhabitant the Bag Lady—a reclusive old woman seen only on her eerie monthly walks to the bank, dragging a wheeled cart and whispering to no one. Children dare each other to touch her fence. Adults cross the street to avoid her.

Victor Torres, a hardened journalist haunted by his father’s disappearance, thinks the rumors are urban myth—until he sees the woman make a cash deposit large enough to shock the bank teller. When he investigates, he discovers the truth is far darker than he imagined.

The Bag Lady isn’t a ghost. She’s a custodian—of ledgers bound in flesh, vaults hidden beneath the house, and a soul economy run by a monstrous entity known as The Treasurer. Every page in the book is a contract. Every name inside is still alive… or worse.

As Victor digs deeper, joined by his estranged ex Sofia—who barely escaped the house years ago—he begins to untangle a legacy of missing persons, spiritual debt, and generational guilt. The closer they get to destroying the system, the more personal it becomes: his father’s name is in the ledger. So is hers.

To survive, they must descend into the Wren House’s hellish core and break the first contract ever signed: a child’s name scrawled in trembling ink nearly a century ago. But some debts don’t want to be erased.