Lyrics:

He was drivin' home one evening in his beat up Pontiac
When an old lady flagged him down her Mercedez had a flat
He could see that she was frightened, standin' out there in the snow
Til he said I'm here to help you maam, by the way my name's Joe

She said 'I'm from St-Louis' and I'm only passin' through
I must've seen one hundred cars go by this is awful nice of you
When he changed the tire and closed her trunk and was about to drive away
She said how much do I owe you; here's what he had to say

You don't owe me a thing; I've been there to
And someone once helped me out
Just the way I'm helping you

If you really want to pay me back
Here's what you do
Don't let the chain of love end with you

Well a few miles down the road the lady saw a small cafŽ
She went in to grab a bite to eat and then be on her way
But she couldn't help but notice how the waitress smiled so sweet
And how she must've been eight months along and dead on her feet

And though she didn't know her story and probably never will
When the waitress went to get her change from a hundred dollar bill
The lady slipped right out the door and on a napkin left a note
There were tears in the waitress' eyes when she read what she wrote

You don't owe me a thing; I've been there to
And someone once helped me out
Just the way I'm helping you

If you really want to pay me back
Here's what you do
Don't let the chain of love end with you

That night when she got home from work
The waitress climbed into bed
She was thinkin' about the money
And what the lady's note had said

As her husband lay there sleepin'
She whispered soft and low
Everything's gonna be alright
I love you - Joe