Fixie is a big fan of putting everything in order. Everything—except her own life. Her small business went under a few years ago when the very first clients didn’t pay their bills. For many years now she has been hopelessly in love with the dazzling Ryan, a friend of her brother—who has just returned to London, bringing her completely out of balance. And Fixie also can’t get along with her own family. Everything changes after a fleeting encounter and, seemingly, a small favor for a stranger. A silly IOU slip on a cardboard coffee holder suddenly sets off a chain of events that you couldn’t possibly have predicted. So who will end up being the debtor in the end?