Grace Austen is struggling to support her ten-year-old brother and keep up the payments on the family farm during the Depression. When she unwittingly saves the life of the man sent to repossess the farm, she's determined to convince him to change his mind and he's just as determined to let her.

Nathaniel Sampson knows he should turn and run the second he realizes where the car accident has left him, but soon, he finds himself drawn to Grace and her precocious brother. Before he even realizes what's hit him, he wants to save the farm as much as Grace does. Now, convincing the board of directors at the bank will be a different story altogether.