Georgina Hayes is desperate. Her father has abandoned her family, and they've been evicted. Now they're living in their car while her mother struggles with two low-paying jobs, trying to save enough to get a new place to live. When Georgina spots a missing-dog poster offering a reward of $500, she comes up with a plan to "borrow" someone's dog and then collect the reward money. But her plan doesn't unfold smoothly, and she continually runs up against her conscience.

Faced with the question of whether it's okay to do something wrong in dire circumstances, Georgina learns powerful lessons about honesty, friendship, and the things in life that are more valuable than money.