All the Murmuring Bones, by A.G. Slatter

Miren O’Malley was raised with stories of merpeople and magic, debts and revenge, knowing that each story could have some truth at its core: after all, her own family’s fortune came from a bargain with the sea. However, with her generation, the bargain has fallen into decline, and against the wishes of her family she digs into the reasons and history behind her family’s situation. I loved the interstitial stories, told by and to Miren; the writing was dark and atmospheric, but the characters felt alive.