The Story 'Depts Unpaid - A Zootopia Story' is written by Magick205
After I read the last chapter of this story I was devastated and started IMMEADIATELY to draw this. Everyone who is open to Zootopia fanfic and also open to some elements that may seem unfitting should consider to read it. The story contains 19 chapters so It'll take some time to get through the hole plot but maybe you should give it a try - and a chance.
Like I've said - it IS different in some ways and it may not be your thing in general like it was for me, but in the end I was devastated and this feeling still lasts. Besides, I've never done a fanfic fanart so far, let alone that spontanieous and quick.