Tidings of Joy — Margaret Daley

He came to Sweetwater to repay a debt. Chance Taylor didn't expect to have feelings for his new landlady, Tanya Bolton. He could see newly widowed Tanya had worked hard to put the pieces of her world back together, caring for her wheelchair-bound daughter and taking a job at the local bank.

Chance's arrival interrupted Tanya's routine...and brought unexpected happiness to her life.

But the secret obligation he struggled with meant Chance could lose Tanya--and his chance for a fresh start--forever.