Just two years out of law school, Nick Rey is on the career fast track at a hot Miami law firm when he is suddenly plunged headfirst into a dangerous bid to save his father. Matthew Rey has been kidnapped while on business in Columbia's exotic port city of Cartagena. The ransom demand of three million dollars is far more than the Rey family can ever hope to raise.

Fortunately, Matthew had purchased an insurance policy to protect against just such a threat. Unfortunately, the kidnappers seem to know all about the policy, and the insurance company, suspecting fraud, is refusing to pay out. With nowhere to turn, Nick links up with Alex, a beautiful, street-smart woman who may be the only person capable of negotiating with Matthew's abductors. But Nick soon discovers that the gravest dangers to him and his family are not the kidnappers and their guns, but the men in suits: lawyers, to be exact, at a powerful firm with something to hide, and they will stop at nothing to keep Nick from unleashing the truth.