Charlie Henry, former Special Forces operative and newly minted pawnbroker, thinks that he's finally turned a corner and the calm, quiet life he's always wanted is just ahead. But life never really works out that way.
A young Navajo man comes into Charlie's shop, FOB Pawn, claiming that his girlfriend mistakenly pawned a beautiful family heirloom, a turquoise necklace that she desperately needs back. When he's unable to produce any proof of this tale, Charlie is immediately suspicious and sticks by the golden pawnbroker rule: No claim ticket, no exchange. Then the young man returns with reinforcements—and guns—making it abundantly clear that there's more to this story than a family treasure.
This necklace quickly becomes the focus of a case where everyone lies, and every question seems to answer with gunfire. With the help of his semi-estranged brother, Alfred, a tribal cop working undercover, Charlie quickly finds out that the pendant was the work of a Navajo silversmith who was recently murdered. And, in an act so taboo in Navajo culture as to be unthinkable, his grave dug up and this piece of jewelry removed. With multiple parties vying to get their hands on the necklace—for what ill-gotten gains, no one knows—it's up to Charlie and his comrades-in-arms to help find out who's really telling the truth, and uncover the mysteries that this heirloom holds.