Lily, a little girl abandoned by her debt-ridden mother and stepfather who fled town, possesses an unspoken power of luck — anything she says comes true. When Barrett, a debt collector with a heart still scarred by the loss of his own daughter, shows up to collect, he finds Lily instead. One stroke of good fortune after another begins to follow him, but can Barrett, weighed down by grief, ever open his heart enough to adopt her?