Insolvent

Urban Fantasy - Dark Fantasy - Magical Bureaucracy FantasyEvery spell has a price. Senior Auditor Sloane Harris works for the Tithe Revenue Service, a powerful magical institution that collects unpaid debts not in gold-but in memories, years of life, and pieces of the human soul. Armed with the legendary Ledger Eye, she has spent her career balancing the books of reality without questioning the cost.
Everything changes when she's assigned to audit Ronan Black, the city's most infamous magical tax evader. Instead of hidden wealth, she discovers something impossible. Ronan isn't stealing magic. He's carrying the curses, grief, and suffering of an entire city-sacrificing himself to keep a monstrous system alive. As Sloane uncovers corruption buried beneath centuries of magical law, she realizes the greatest debt isn't owed by ordinary citizens.
It's owed by the institution she has sworn to serve. Now an elite auditor must become the one person willing to bankrupt the system itself before reality is foreclosed forever. Insolvent is a gripping blend of urban fantasy, dark magic, magical bureaucracy, legal fantasy, supernatural mystery, political intrigue, morally gray heroes, forbidden secrets, and slow-burn romance-perfect for readers who love intelligent fantasy with unforgettable worldbuilding and cinematic stakes.