New York, 1866

When her mistress receives an utterly unromantic letter from a potential suitor, servant Susanna Parkwell is asked to craft an appropriate response. Though hesitant to take part in the deception, Susanna agrees, never dreaming the scorned suitor will write back.

Theodore Blakely abhors being pressured by his family to marry, but he's intrigued by the witty refusal he receives from "Charlotte". After exchanging more letters, Ted believes he's found a soul mate in his thoughtful and understanding correspondent, and asks permission to formally court her.

Though racked with guilt over her lies, Susanna can't resist the opportunity to meet Ted in person. So she poses as Charlotte at a holiday ball, where she vows to tell him the truth. But when the clock strikes midnight, will Susanna have the courage to reveal her identity and risk losing the man she loves?