Karma: The Final Payment

Chris, a successful 33-year-old man, has always ignored the pleas of homeless people on the street. However, when he hears a familiar voice begging for money, something within him stirs in a way it never has before. He confronts the homeless man with venomous contempt, only to be met with an unexpected response: "You can't run away from destiny, Chris!"

The homeless man reveals himself to be Karma, and he knows all about Chris' past misdeeds and the emptiness within him. Karma demands Chris' soul as payment for his sins, and Chris is left reeling with fear and disbelief. He tries to deny Karma's existence, but the specter haunts him relentlessly, even appearing in his reflection.

Chris sets out to prove that Karma isn't real and returns to the spot where they first met, but finds nothing there. His relief is short-lived when he steps out into the street and is almost hit by a truck. In that moment, time seems to stand still as Chris realizes that Karma was right - he can't escape his fate.

As Chris struggles to come to terms with his impending doom, he must face the consequences of his actions and make amends for the pain he has caused others. The climax of the story sees Chris confronting Karma one final time, and the resolution is both shocking and satisfying.

Throughout the novel, the suspense builds steadily as Chris realizes that he is being hunted by something beyond his understanding. The twists and turns keep the reader on edge, wondering what will happen next. The characters are well-drawn and complex, each with their own motivations and desires.