Chimes at midnight

A young woman's life unravels after she witnesses something she wasn't meant to see, and the title hints at a ticking-clock or impending revelation. The mood is tense and atmospheric with an ominous undercurrent; it's urban fantasy/paranormal rather than horror because the threat feels tied to supernatural rules rather than pure monster-hunting. Tropes: multiple-povs fits since the story follows several characters whose paths converge, found-family for a group of outcasts who bond against a shared enemy, and betrayal as a core plot engine.