Love, Karma, and Destiny is a romance fiction based on a 3-way love-story on the background of the tragic 9/11 World Trade Centre attack. It brings out each person's internal conflicts and struggles with their independent values. Chris Martins is an American man happily married to the beautiful Carolyn. His casual official relationship with Pooja Mehra gradually develops into a deep bond of love. Pooja is an Indian girl betrothed to Vinod Kumar. Chris and Pooja must grapple with their emotions, morals, cultural differences, and value systems - all ridden by gender biases, ideas about the construct of a family, and trust as a cornerstone of love. All through the psychodramas of the protagonists bring about a poetic influence on the depiction of these internal conflicts they must answer their inner calling. Whom will they commit to? Will their love stand the ultimate test that life throws at them?