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Pickard's sixth Jenny Cain mystery and first Pocket Books hardcover, Bum Steer, was widely acclaimed by critics and readers alike. Now, in I.O.U., Jenny explores her own family's unsettling, mysterious past, beginning with her mother's death--was it murder?

240 pages, Mass Market Paperback

First published March 1, 1992

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About the author

Nancy Pickard

102 books349 followers
Nancy Pickard is an American crime novelist. She received a degree in journalism from the University of Missouri in Columbia, Missouri and began writing at age 35.

She has won five Macavity Awards, four Agatha Awards, an Anthony Award, and a Shamus Award. She is the only author to win all four awards. Her novel The Virgin of Small Plains, published in 2007, won an Agatha Award. She also served on the board of directors of the Mystery Writers of America.

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5 stars
89 (17%)
4 stars
186 (37%)
3 stars
191 (38%)
2 stars
26 (5%)
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5 (1%)
Displaying 1 - 28 of 28 reviews
Profile Image for skein.
593 reviews37 followers
July 4, 2009
For a mystery novelist, Pickard is very strange. Her books don't have lot of whodunnit?! plot - but the character of her protagonist is central to the stories - especially this one, which features absolutely no murder at all.
Out of all the mystery novels from all the authors my mother brought home, Nancy Pickard was my favorite, and this my favorite book of hers. Re-reading the series as an adult impresses me even more. Most serial mysteries are (let's face it) feature thinly drawn characters thrown into improbable situations over and over and over again. They're easy to read and presumably easy to write, and that's all part of the enjoyment. They aren't there to be taken Seriously. Pickard takes this cheap potboiler form and makes it ... worthwhile.
Profile Image for Carol.
1,844 reviews21 followers
January 11, 2023
I have read many of Nancy Pickard's cozies and remember that I really liked her writing style, never got bored or lost. I had I.O.U on my to be read since 1991.

This particular book centers not on an investing a murder but her mother's death and her father's loss of a business that been in the family for generations. Jenny Cain displays an overload of emotional reactions to people's statements and actions. This does not happen in most cozies!. I struggled to get through the first three chapters. I almost stopped reading! But later in the book, her therapist who was also a close childhood friend advised that she was not crazy and that what she needed to do was to investigate what was bothering her as if it was and actual case. That calmed both her and the book down. Hooray!

Not being close to her father was her father's long lasting affair that resulted in marrying a woman only a few years older than her. Her step mother was voluptous, always had a irritating, calming positive attitude. Her sister had a bad effect on her too, there was a time that they actually came to blows.

I enjoyed her investigation of her mother's life and the downfall her father's business downfall. There are times that you think that the evil doer has been found but there you find out that there are more people connected with the bad results. The investigation leads to complex situations.

I really enjoyed this mystery and hope to read many more of her books.
Profile Image for Stephen Brayton.
97 reviews1 follower
October 27, 2025
Plot

The layered plot of the latest in the excellent Jenny Cain series finds the Port Frederick, Mass., sleuth probing the cause of her recently deceased mother’s insanity. Cain discovers that her mother’s mental collapse many years before coincided with the bankruptcy of the family business. The closing of Cain Clams created considerable unemployment locally and countless enemies for the Cains–one such foe may now be trying to prevent the amateur detective from delving further into her family’s past and the town’s secrets. As she tracks down public mysteries, Cain unearths painful personal issues; an attempt on her life, construed as an effort at suicide, forces her to deal with the legacy of her mother’s madness. Pickard masterfully resolves both plot lines in this affecting, provocative novel centering around the mystery at the heart of mother-daughter relationships.

My Analysis

First, a short story of my own. I had read Pickard’s novels for many years before I attended a conference in Chicago where she was one of the guest authors. I had enjoyed the books I’d read, so bought about nine more and asked her for autographs. She obliged. I think it was one of my first meeting, if not the first, of a well-known, published author.

As for I.O.U., this looked different than her other Cain mysteries and it was. This was deeper, darker, more serious. The others are serious, too, but not as much.

I found the writing very well done. Long sentences to express Jenny’s mood and show the atmosphere of scenes. Internal monologues and dialogues.

At first, I wondered why Jenny waited until her mother’s funeral to decide she needed to find answers. Her mother had been in the hospital for a long time. Why wasn’t Jenny determined to find answer before the mother died?

Right away, you find people harbor secrets, which is normal for mysteries. This, however, draws in the reader to be as determined as Jenny to find the answers. Every person she interviews has secrets and characteristics that reveal their true selves. From the sister to the father, to the Father, to the nurse, to the businessmen, to the newspaper publisher. Pickard has written this story so the reader, at least this reader, ends up disliking everyone and rooting for Jenny and Geoff, the last two survivors in this town of a lot of people who wished they would go away.

It’s an awful story in the sense of portraying this woman’s life. Yes, Jenny rises above it all in the end, but I think from this point on, she’ll have an upward battle to “come back” to a sense of normalcy.

It’s a wonderfully written story with strength and danger (yes, there’s still a mystery here to be solved and an attempted murder suspect to be found), and I found myself immersed in the depth of it all. I didn’t know where it was headed. Pickard did a great job of showing a lot of truth in various areas of life. From religion to medical practice to business practices.

I thought about the normal blue belt rank for this, but I think I’ll bump it up one rank to:

Brown Belt
Profile Image for Jenny.
2,032 reviews52 followers
November 1, 2022
I always like Jenny but this mystery was NOT GOOD.
Profile Image for Sandra Strange.
2,690 reviews33 followers
February 24, 2024
This addition to the series adds elements not normally part of this kind of mystery: the protagonist suffers a psychological breakdown at the death of her troubled mother. Her journey back to herself, solving the mystery as she works, involves investigating her mother and the source of her mother's long term journey into insanity and her father's disastrous bankruptcy.
Profile Image for Kathe Forrest.
200 reviews2 followers
November 18, 2021
Picard is a very detailed author but I felt too much detail. I wanted to get to the heart of the story so if you like rambling and reading about small mindedness in small towns this is the book for you.
406 reviews2 followers
May 27, 2022
I really enjoyed this one! Jenny gets to the bottom of her mother's health and also has to deal with the old boys network.
Profile Image for Star Merrill.
359 reviews1 follower
August 16, 2023
I was really loving this book, until the end, that is... It got too preachy for my taste. Authors should entertain, not preach. I go to church for that.
Profile Image for Christine Lucia Asha.
401 reviews40 followers
October 6, 2023
I had to re-read half this book, it was so complex and sad. But always worth reading Nancy Pickard.
2,113 reviews16 followers
January 28, 2012
#7 in the Jenny Cain mystery series. Jenny is the CEO of a charitable foundation in the fictional small town of Port Frederick, Mass. This is more a personal Jenny Cain story rather than the usual solve the murder mystery in previous novels. Opens with the burial service for Jenny's mother and Jenny's realization that she really doesn't know who her mother was and why she ended up for years in a nursing home for mentally unstable people. Jenny suffers a sort of mental break down and behaves very erratically and publicly doing very unJenny like things. She pulls herself out of by trying to discover why her mother suffered the mental collapse which hospitalized her and why her father's business suffered a business collapse. Finding out the "truth" about her family is this novel's mystery.
Profile Image for Betty.
1,116 reviews26 followers
September 11, 2012
I bought this 20 years ago and finally got around to reading it. I would have liked it then, but I was even more interested in how relevant the issues raised then still matter (women's roles, corporate greed, banking shenanigans). This book solves a mystery, but it doesn't involve stumbling over a dead body and tracking down a culprit. Frankly, I was relieved to be reading a mystery novel that wasn't trapped by the rules of the genre or larded with cliches. The protagonist actually has a happy marriage; the detective is not an alcoholic, to name a couple of examples. I think it's time to find out what Nancy Pickard has been doing recently. She a writer worth following.
Profile Image for April Hochstrasser.
Author 1 book17 followers
October 29, 2007
A nice little plot and a good attitude adjustment on the part of the daughter. A daughter starts out hating her mother because her mother had been in a psychiatric hospital for the last 20 years and the daughter didn't understand why. As she found little clues about the reasons, she changed her attitude and ended up at least understanding and feeling empathy for her mother. I only skipped a couple of boring paragraphs in this one. The rest was worth reading and I enjoyed getting back to it each time.
Profile Image for Julie H. Ernstein.
1,537 reviews27 followers
July 12, 2009
In this seventh installment in the series Jenny investigates parallel mysteries of both a personal family history and local town history nature. You get a good sense of Jenny, her family background, and insights into this likeable protagonist.
Profile Image for Connie.
1,258 reviews35 followers
August 29, 2011
Next in Jenny Cain series. Jenny's mother has died and she tries to find out why she was always in the mental health hospital. Her father and sister don't seem to know the answers so she interveiws people and tries to find out why. Her husband Geof and her have both lost their jobs in this one.
Profile Image for Luz  C. Johnson.
42 reviews1 follower
September 26, 2013
By far, this is my favourite of the Jenny Cain series. After the Wild West, we are back in town. This novel is a shrine, an altar, a temple of exquisite feminism, of a lost mother, of a somehow lost father, and of a family’s Canned Clams loss. Why do feminist women always quit their jobs?
732 reviews9 followers
July 1, 2014
I read this for the monograph. I love Nancy Pickard's series so much. This book won the Agatha award 1991 for best novel. I love that Jenny Cain learns so much about herself. This is the mystery of Jenny and her family. Powerful stuff.
64 reviews3 followers
August 16, 2011
I've been off mysteries for awhile, but may need to go back to them, now that I've found Pickard.
Profile Image for Irene.
7 reviews2 followers
November 11, 2012
different plot - but interesting. proves that you never know how many loved ones and friends are really supporting you when you are down and out (depressed and feeling lonely)..
Profile Image for Rena.
28 reviews5 followers
December 11, 2013
Political story more than mystery... Slow
344 reviews1 follower
July 5, 2015
Found this on a thrift self--good summer afternoon read. We never know what our parent. child dynamics are.
Displaying 1 - 28 of 28 reviews

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