While on business in Cartagena, Matthew Rey is kidnapped by ruthless bandits. The kidnappers know about a $3 million insurance policy that covers Matthew's ransom and, to make matters worse, the insurance company suspects fraud and refuses to hand over the money. His son Nick goes to the FBI for help, but they too have grown suspicious of Matthew and his frequent trips to Colombia. With nowhere to turn, Nick hires a trained negotiator, a street-smart and mysteriously beautiful woman named Alex. But Nick soon discovers that the real danger to him and his family is not kidnappers with their guns but lawyers in their suits--men from Nick's own firm who will stop at nothing to keep him from uncovering the truth.