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Ada Walton saved Sid Cissie's life once. But Gail Rob stole the credit and fled after causing Ada's father's death. Three years later Ada uncovers that her best friend, Poppy Lee, is having an affair with her fiancé, Reg Wagner. By Reg's grandfather's will, he will inherit only if he marries Ada. Facing her mother's mounting hospital bills, Ada forces herself into a contractual romance with Sid to secure funds. The pact is pragmatic, laced with guilt and bargaining. Betrayal, duty and debt collide as Ada navigates a fiancé's betrayal and a friend's treachery. The arrangement strains old debts and awakens risks; feelings and consequences spiral until the contract no longer fits their lives.