The Indebted Earl
Serendipity & Secrets #3
by Erica Vetsch

My rating: 4.5 / 5
Genre: Christian historical romance

When her fiance Rich succumbed to injuries sustained near the end of the war between France and her home country of England, Lady Sophia Haverly did not not expect to ever fall in love and marry someone else. Instead, she would continue to care for her elderly almost-mother-in-law, who developed a strong desire to return to the seaside, where she’d grown up. She finds assistance in this endeavor in the form of Captain Charles Wyvern, close friend of her late fiance, who tells her that Rich died saving his life, leaving him indebted to helping Sophia however he can. The captain, while desperate to head back out to sea, has his own reason for going to the coast–his uncle has just died, and he’s inherited the estate and title of earl. When he finds that the estate is in bad shape, not to mention the three young girls he’s inherited as wards, he seeks help from the young woman to whom he owes a great debt.

The third book in the series stands as tall as the first two. I loved how the captain was so out of his element on land, while Sophia equally did not take to the sea very well. The three girls, aged between 5 and 16, added a layer of life to the story that all worked together so well. Sophia, not much older than the eldest girl herself, found herself in the role of mothering the kids simply because she fell in love with them so quickly. And her relationship with her late fiance’s mother-in-law, Mamie, as well as Mamie’s relationship with the three wards, made this book about so much more than the main romance.

In fact, my biggest frustration with the book was the repetitiveness that came with Sophia starting to let herself move on from her loss. She kept sort of chastising herself for holding another man in high esteem and possibly wanting more from that, always ending with a question of whether that was how it should be or not. This may be completely realistic, but the repetition wore on me just a bit. That’s pretty much where the half point rating detraction came from. On the other hand, 5-year-old Betsy’s attachment to the captain’s hat is wonderful!

Here at the end of the series, my favorite character overall has been Marcus Haverly. He also played the most significant role throughout, being the male lead in the 2nd book, while also having decent roles in the first and third. I love that his alter ego gets to play a role in all three books, too, and wish Erica Vetsch would somehow write a little more about him (maybe a short story in which Sophia and Charles learn of his former occupation?).

While I found parts of this story predictable, and one particular part far too convenient, I loved it overall. It’s a great ending to a great series, which I highly recommend to fans of Christian romance, historical or otherwise, and fans of Regency romance. And if you do plan to read these books, or already have, make sure you also look into the book Joy to the World, a collection of 3 novella-length Christmas stories. Vetsch’s contribution to that book takes place directly after this third book in the series and ties up the story of a character that has been involved in the series.

I received a free review copy from the publisher in exchange for my honest unedited feedback.

Find out more about The Indebted Earl

See what I’m reading next.

If you’ve read this book, or read it in the future, feel free to let me know what you think!