Once the popular high school sweetheart, Marcy Duchamp lost it all when she married Harold - the wrong man - soon after graduation. Instead of getting a divorce, Marcy devises a way to make his life miserable too. Her plot backfires, however, when she becomes a victim in a tragic accident. When Harold is unable to collect on her million-dollar insurance policy, it appears that Marcy may have won. Yet when her friend,the shy and quiet Lacy, finds herself the beneficiary of the policy, her life is thrown into the spotlight.