Smile and Say Yes — Carolyn Thornton

Amelia Payne had problems. Her father's death had left her with a lot of debts, and her fiance's defection had left her wary of men. She was ready to love again, but afraid of commitment. Then she turned to Josh Morgan.

Josh was interested in Amelia from the first, but he wanted to be sure she was the right woman. Only Amelia herself knew how much she loved him--really loved 'him--but she was still afraid of being hurt, too afraid to open her heart to him.