Meg Gardener has one of the choice jobs in Missoula, Montana open to ex-cons. She's a repo lady, snagging cars back from deadbeat owners. Although dogged by bad memories and a glass-half-empty attitude, Meg believes she can get her life together. A new boyfriend and cozy cottage are helping her to do it-until she picks up a Jeep Cherokee belonging to a murdered man...

On the Jeep's back seat is a mysterious briefcase that is the catalyst for setting off a chain of events: A small-time Russian thief steals the briefcase. Then, a knife-wielding, tattooed lady comes looking for it. A scared Native American girl is in jail because of it. And lastly, a brutally delivered message tells Meg to find the damned case or her boyfriend dies. Suddenly her rosy-colored future is shattering like an ice statue hit by a sledgehammer. Desperate to protect what little she has, and driven by ghosts from her own past, Meg plunges ahead-and finds herself involved in a dangerous web of infidelity, greed, and murder...