Harriet needs money and fast - she owes a loan shark who is becoming increasingly pushy and threatening. When she receives a letter announcing that she has inherited a large sum from her grandmother, she feels as if her prayers have been answered. There is only one problem: her grandmother has been dead for twenty years. The letter was obviously sent to the wrong person...

She thinks she can deceive the other relatives to get the money, and makes a choice that will change her life. However, along the way, she discovers that there is no turning back and she risks losing everything, even her own life...