Lorenzo Adams works at a bill collection agency in Norfolk. When an old debt of his own suddenly comes, Lorenzo has less than three weeks to payback $150,000.

A rebellious girl is sent to stay on her grandmother's horse ranch for Christmas. She falls into friendship with her grandmother's pony and becomes determined to help save the ranch from foreclosure.

Sometimes hope is all you need, but sometimes it can be hard to find. Faced with the death of her beloved grandmother, Lizzy now focuses on the farm, her horses, and three-day eventing. With her upcoming marriage to James threatened