When Josh meets Eliza, he's riding a grudge. She's the nefarious bank executive foreclosing on his sick neighbor's property and he's there to set the matter straight. Cold-hearted bankers can't just take away a man's livelihood because he missed a payment or two.

Eliza is stunned when Josh confronts her. She tries to explain the situation from her end, but he's having none of it. Finally she placates him–she'll review everything and see if the bank can extend the loan period.

Not good enough. Josh wants her to meet with the rancher and see the ranch. Yet it's not only the man's ranch he takes her to, but his own. Over the next few weeks the discussion doesn't only center on the foreclosure, but on how to make things work–maybe even between them.

Until the fateful day Josh slams back into her office accusing her of foreclosing after promising to extend the loan. Eliza did no such thing, but convincing Josh of that is almost impossible.

If he can't believe her, then all the closeness she thought they had growing between them was nothing but will o'the wisp. How can it ever be made right?