Manhattanite Ashley is known to many as the luckiest woman around. After a chance encounter with a down-and-out young man, however, she realizes that she's swapped her fortune for his.

A mother and daughter, still wounded from a bitter custody dispute, hole up in a run-down apartment building, where they are targeted by the ghost of a former resident.

After calling 911 to report his wife's accident, successful novelist and aspiring politician, Michael Peterson, becomes the prime suspect in her alleged murder.