Deeply in debt, widowed Madeline Sedgewick never imagines that the person to buy her late husband's credit notes would be Brock Taylor, a former stablehand now a wealthy entrepreneur--and the man who stole her heart years ago. Brock's memories of their parting are even more bitter than Maddie's, but seeing her again awakens a desire he thought long dead. Soon a wager is made, with Brock's fortune and Maddie's independence at stake.