Hey SummitCity here, I'm new here so this will be my first experience on writing a fanfic.

Hope you like it!


I DO NOT OWN THE FROZEN AND ROTG CHARACTERS, THEY BELONG TO THEIR RIGHTFUL OWNERS.


Chapter 1: Jackson Overland

The winter wind runs silently with the branches of trees dance with it. A sound of footsteps interrupted the peaceful silence in the snowy woods. Trying to be stealthy as he could the young boy with white hair and striking blue eyes walks in the wood like predator hunting its prey, searching every inch of the forest trying to find something or someone.

At the same time a little child is hiding behind a huge tree, trying hard to be quiet as possible. Carefully observing her surroundings, the little girl spotted the familiar white haired boy and try her best to keep her distance away from him.

"It's no use Emma, I can smell you so you better come out." said the white haired boy.

The little girl silently giggled as she tip toed her way away from him without him noticing. As she silently step to the snowy ground, she step on a twig that snaps creating a sound. The boy quickly hears the snapping sound and hurries to its source. As the boy runs from the source of the sound, Emma was panicking so she quickly hid in the bushes near her hoping that her brother does not find him. She took a peek through the bushes to see if her brother arrives at the scene but he does not arrives. She patiently waits for her brother to come but unknown to her, the white haired boy was standing behind her with amusement in his face. The boy quickly scooped Emma in his arms carrying her in his shoulders like a sack.

"AAHHHHH" Emma squeled with delight

"ahahaha found you" the boy said

"Jack put me down now"

"can't kiddo, if I let you go you will run off again and make me find you"

" fine you got me, I won't run away now will you please put me down" Emma pleaded with a puppy look on her face.

"alright alright how can I say no to that look." Jack chuckled as he lay Emma down. "now come on mom expects us to be home by now"

"ahhh but I wanna play 'hide n seek' again" Emma whined

"we can play tomorrow kiddo, besides you haven't finished your choirs yet"

"hmmm okay"

The siblings walk out to the forest together as they head home, a house with a frozen pond by its side was coming out of view in front of Jack and Emma.

"race you to the house?" Jack challenged

"loser cleans the dishes for dinner?" Emma added

"oh it is on" they said in unison

With that the siblings race toward their house, Jack slip in the ice and Emma trip in front of their porch of the house. Regaining their balance, they continue to ran to the door of the house with Emma opening it and declare victory.

"YES I WON, PREPARE TO WASH THE DISHES FOR DINNER BROTHER." Emma exclaimed with an evil laugh

"THAT IS NOT FAIR I SLIP ON ICE" Jack shouted while panting

"well I trip on the porch so it is only fair" Emma said stucking her tounge out to point to Jack and Jack did the same.

"Jack, Emma what are you doing?" their mother asked

"well mom we were just rac..." Jack cut his statement as he realized his mother sitting on the stool in front of their dining table and at the opposite side of the table sitting on a stool is a visitor or more like a debt holder.

"Mrs. Carter what are you doing here?" Jack asked with a nervous chuckle

"What is it I'm doing here boy, I'm here to collect your family's debt that is supposed to be paid a long time now" said by Mrs. Carter

"Please Mrs. Carter I'm begging you for another extension of time. It's just hard to make a living with winter season and all... please I'm begging you I will pay the debt fully" Jack's mother pleaded

"I have enough of your excuses Mrs. Overland. Your husband said the same things before, all he do is beg and now look what it has gotten into him, catch a simple cold that turns out to be a incurable sickness and die full of shame leaving you alone with your children and passing the responsibility of this debt to you" Mrs. Carter said boastfully

"DO NOT TALK TO MY MOTHER LIKE THAT AND DO NOT SPEAK ILL OF MY FATHER. HE WAS A GREAT MAN!" Jack shouted

"fine then, if you cannot pay your debt. I will take your precious Emma and make her my slave. Only then that this debt will be paid." Mrs. Carter said while standing up.

"WAIT, NO!" Jack pleaded, while his mother and sister gasped in horror.

"Not so tough now when I said that ha. Might I remind you, Jackson, that you have nothing to use against me and I have a lot of things to use against you. So if I were you I choose the right words to use when you are speaking to me, understood?" Mrs. Carter asked as she walk towards Jack and giving him a death glare.

Mrs. Carter and Jack stood their with a fierce look on their face and engage in a serious stare contest. Giving each other death glares, Jack thought that she was right and realize that arguing and fighting her was not a clever move. His face straightened and the tension in the air slowly calmed down as Jack backed away.

"understood" Jack said while releasing his breath and sighing in defeat. "but please do not take Emma, please an... and give me three months and I will pay our debt"

"and how will you do that hmm... boy?" Mrs. Carter asked with arms on her waist.

"I... I... uh ... jus... just trust me please I know I can pay it." Jack said desperately trying to convice Mrs. Carter to not take Emma away.

Mrs. Carter mockingly laugh at Jack when he tries to reason out with her.

"you mean to tell me that you can pay your family's debt that your father can't pay in 2 years while you can pay it in three months? you are funny boy" Mrs. Carter said while still laughing.

"please trust me I know I can do it"

"and what if you can't?"

Jack think deeply on his next move because with one wrong step, it is his sister will pay the price.

It's too risky but is worth the shot. Jack thought

"then you can take our house and everything in it." Jack said with a determined face

His mother is fighting the urge to faint on what had Jack said while his sister was so shocked and pissed at him that she wants to smack him senseless on his response.

"JACK WHAT THE HELL YOU THINK YOU ARE DOING?!" Emma and his mother, standing up, shouted in unison.

"Please just trust me on this I sorted all out... I think ..." Jack said with nervous laugh.

Mrs. Carter carefully think about on Jack's offer on selling out his own house. The woman was amazed on how Jack is willing to bet on everything just to save his sister and saw the confidence in Jack's eyes that he can do it. With a sighed, Mrs. Carter took pity on the desperate young man and accept his proposal.

"very well boy we have deal but let us be clear, the worth of your house and everything in it is not equal to the worth of the debt you owe. I will still take you sister as a slave if you didn't kept your end of the bargain."

Jack gulped before agreeing with her terms. Feeling satisfied, Mrs. Carter takes her leave and once the door was shut all hell broke loose in the Overland house as Emma and Mrs. Overland stare dangerously on Jack.

"WHAT THE HELL ARE YOU THINKING?!" both of them asked the same question like before.

"I'm thinking of a way to help us escape this situation."

"BY GIVING AWAY OUR HOUSE?" his mother asked.

"do you have any better ideas? I know it is risky but trust me mom I can do it"

" but Jack I..." she was cut off by Jack.

"Mom please I can do this besides if I didn't do something now, she will take Emma right then."

Mrs. overland sighed in defeat, knowing his son he will argue with her the whole night.

He does have a point Mrs. overland thought.

"fine I trust you but will you please tell me what is your plan?" his mother asked

"I will find a job" Jack said with a determined face.


AN: Well that is my first chapter of my first fic.

As for the ages of the characters...

Jack - 19

Emma - 11

Elsa - 17

Anna - 15

Oh and one more thing this is not a modern AU, time zone is same time as Frozen.