You fell on some hard times (pass due bills + you own a restaurant) you beg money from a local gang because you need it to support your family.

a few weeks pass since you were
supposed to pay the money back

You were sitting behind your restaurants register you just closed up and was trying to relax after a long day

Then you hear a knock you get up and walk to door and look through the peep hole you froze in fear it was her

“Let me in” she said with a smirk on her face