It's the holiday season in Chicago, and with her new gig as a criminal lawyer and a burgeoning relationship with her boyfriend, Theo, Izzy McNeil is determined to make this Christmas a sparkling one. So when Theo mentions that his lease is up on his apartment and he needs to find somewhere to love for a few months, Izzy doesn't hesitate to tell him to move into her condo until he buys a place.

WHen Izzy's home has a break in right after Theomoves in, she ignores the coincidence. And when Theo is arrested on charges of fraudd, she wants to believe he's innocent. But when a neighbor is found dead, she can't ignore that something is very very wrong.

Izzy can't forget how Theo was inexplicably turned down for a mortgage on a town house. How can a successful business owner be rejected for a mortgage? Moreover, how does she explain Theo's recent moody silences? Or how a stranger warned her that Theo needs to "give us what he owes..."?

Thrust into Theo's case, Izzy must walk the line between attorney and lover and prove to a jury that Theo is innocent. But only Izzy can decide whether trusting Theo will keep her safe...or throw her into unimaginable danger.