Zane Lennox, a retired veteran, just wanted to make a living with an old boat at the pier. However, he gets dragged into a debt crisis by his runaway boss. A broken boat, a huge debt, and his fiancée, Autumn Langley—who was used as collateral—are all thrust upon him overnight. On a stormy night, with debt collectors at the door and enemies plotting in the shadows, the turmoil at the pier proves to be more treacherous than the raging sea.
