While still in mourning, her unscrupulous father resurfaces after many years’ absence and finds a way to undermine her mother’s will. Without regard for Noel’s welfare, he claims everything is rightly his, and the family lawyer can’t produce documents to prove otherwise. By invitation from her best friend, Noel makes a hard choice to leave her childhood hometown in upstate New York and journey to the friend’s house in Pensacola, Florida. Together they will try to devise a plan for Noel’s future. Fate steps in when a blinding rainstorm causes her to miss a turn, leading her to an unlikely place, and an uncertain destiny. Brought low by circumstances and struggling to make ends meet, she takes shelter in the least desirable location and accepts a graveyard-shift job. The last thing Noel is looking for is romance, but a chance meeting with a handsome, young lawyer named Liam Grant makes her reconsider. Could she accept his dinner invitations and make it through the Christmas holiday without revealing her destitute condition?