Excited to deliver the final loan payment to the Caldwell family, the richest family in the city, Blair's excitment to be free of their predatory loan is over. As usual, making the payment to James is the last thing she wants. He's a lazy rich sloth in her eyes. That is, until she meets the new and improved James Caldwell. He's handsome, he's buff, he's gotten himself together. Blair finds herself regretting this final delivery. Little does she know, James has had plans for her all along.