Payback Time is suspenseful, engaging and action-packed. The story focuses mostly on investigative journalism, but also has tons of play-by-play football coverage for sports enthusiasts. A mystery involving a transfer student is at the heart of the story. Gang activity and witnessing a murder has put one character in jeopardy, necessitating his relocation. Main characters Mitch and Kimi are put in numerous dangerous situations as a result of their involvement, including assault, fist fighting, threatening phone calls, and tire slashing. Language is mild (b-tch, fat t-rd, cr-p), and chaste kissing takes place. Mitch's sensible and healthy approach to weight loss leads to more self-esteem on his part, and his new-found friendship with partner Kimi is important and supportive. This page turner is a gripping read.