The Cowboy Complication by Janice Whiteaker

Cooper Staks is starting to think maybe love isn’t in the cards for him.
And it’s disappointing as hell.
His disappointment turns to misery when he crosses paths with the sweet little brunette who just breezed into Moss Creek. Isla Weber is all softness. Gentle and shy.
She’s also nearly fifteen years his junior. Way too young to see him as anything but an aging cowboy with a chip on his shoulder.
It’s easy to keep himself in line when they’re face to face, but through the buffer of a cell phone, Isla’s shyness melts away, leaving him on the line with a temptress doing her best to make him suffer. To make him want what he can’t have.
But the thought of seeing her with someone else is unbearable and leaves him with only one choice.
To convince Isla he can be everything she’s ever wanted.