Matt Whitlock, the police chief of Banyan Key a small town near Florida, is separated from his wife, Alex, a police detective based in Florida. Matt s been having an affair with Ann Merai Harrison, a woman who s separated from her husband Chris and who says that she has cancer. When her doctor tells her of a new treatment that s expensive, Matt gives her the nearly half a million dollars that he seized from some drug dealers. When she turns up dead evidence points to Whitlock. He tries to figure out what s going on but apparently it appears he s been set up. So he has to try and find the money especially now that the Feds are asking for it before the evidence exposes him.