Rick Cunningham can't believe it when a caller to a radio talk show accuses his friend and co-worker, Marty Farber, of murder. He claims Marty planted a bomb in a school classroom that resulted in the death of a teacher sixteen years ago. The caller alleges the crime was never solved because Marty's influential father conspired with police to cover it up. He threatens "Providence" will take revenge on all the participants in the crime. Wrapping up a financial consulting job for Fort Lauderdale's Century Bank, Rick is asked by Louis, the bank's president and Marty's father, to uncover the identity and location of the caller. Citing negative publicity, personal and professional, Louis refuses to involve the police and contends he just wants to talk to the caller to set the facts straight. Despite concerns Louis may have something else planned, Rick agrees to help. Almost immediately, he is confronted with the mysterious death of the former police chief, a name on the telephone caller's list.

Casting aside continuing struggles with his romantic life, Rick enters the Farber's murky world of secrets, conspiracies, and murder.