Riversong by Tess Thompson

In an effort to survive an unthinkable predicament, a city girl returns to her small-town roots in this suspense-filled, tissues-required romance by USA Today bestselling author Tess Thompson.
In the wake of her husband's tragic death, Lee is pregnant and one million dollars in debt to a dangerous loan shark willing to do anything to collect. Out of money and options, Lee seeks refuge in the small Oregon town where her mother's dilapidated home sits vacant, as desperate for a fresh start as Lee herself.
With a baby on the way and a living to make, Lee opens a restaurant and begins to rebuild her life. But just as she catches her breath, and the eye of a local musician offering a second chance at love, she finds herself right back in the clutches of the debt collector with more to lose than ever.