The body of a young man found in a wrecked car was dead before the crash. Detective-Sergeant Natalie Dvorak of the Vermont State Police investigates the murder with the help of her niece Melanie whose friend Jenny lent the dead man money. Was his debt to Jenny related to the killing? As Natalie interviews the victim's associates, she begins to unravel two criminal conspiracies in her own backyard. She soon has a list of suspects, all of whom have secrets. But which of them has a motive that could have led to murder?