Sandy and Trish Patterson - an efficient, by-the-books in-house accounts processor for the Denver head office of the Prominence Financial Group and his stay-at-home pregnant wife carrying child number three respectively - are having troubles making ends meet despite all their efforts, especially as Prominence, in the greed and arrogance of Sandy's boss, Harold Cornish, has not provided employee bonuses for three years. When his professional life seems to be looking up after he gets a new job at a new company, New Concepts, which would increase his salary five-fold, Sandy discovers through a series of not-so-pleasant incidents mostly involving his declining credit rating that his identity has been stolen by a woman in Winter Park, Florida. What happened is that he received a telephone call from a fraud protection service informing him that they had indication that someone had been trying to steal his identity, they who offered a free service to prevent such occurrences. In providing the caller with his sensitive, personal information to sign up for this free service, he unwittingly provided the caller, the true fraudster, all the necessary information for her indeed to steal his identity. The Denver PD are unwilling to help Sandy with the crimes happening in Florida, and the identity theft is causing problems for Sandy's new boss and longtime associate, Daniel Casey, which ultimately threatens Sandy's tenure in this new job and with New Concepts. As such, Sandy, armed with the fraudster's photograph, hatches a plan to bring the woman to Denver to confess all to Daniel and unwittingly to the Denver PD, which would not only get Sandy his identity back but bring her on the road to justice. Sandy may have difficulty achieving his end goal in he underestimating "Diana", a brash, friendless woman who has been able to, among other things, "buy" friendship through the fraud, and he not knowing what other criminal activities she has been involved in, which may involve others even more dangerous than her.