In this Valentine’s Day riff on Charles Dickens’ A Christmas Carol, a cynical, superficial radio talk show host is visited by the ghost of her predecessor, who shows her the error of her ways.

While visiting a dude ranch that is a potential acquisition for the outdoor adventure company she works for, Alex, an eager candidate for a big promotion discovers what matters most when she reignites her passion for the great outdoors; and becomes smitten with the ranch’s owner in the process.

Private investigator Steve is being racketeered by beat cop Melvin Jarvis as divorce client. Silver spoon would be-actor Mark Woodruff is arrested for the shooting of his rich father Nathan. Only one acting class peer, Italian immigrant Isabella, truly believes in his innocence and manages without funds to hire Steve, with widow Marsha as prime suspect. However they soon find an art theft gang is involved, including Mark's youth friends, gallery keeper Brandon and his mate Jamie, who gets shot, and evil brain Alicia.