Olivia Berg's charity has helped generations of families in need in Pine River, Washington, but this year might be the end of the road. One of their biggest donors has been taken over by Ebenezer Scrooge the Second, aka CFO Guy Hightower, and he's declared there will be no more money coming to Christmas from the Heart. Without Guy's contribution, the families Olivia's devoted her life to won't be getting the Christmas they deserve.

When Guy's Maserati breaks down at the edge of the Cascade foothills, he's relieved to be rescued by a pretty young woman, who drives him to the nearby town of Pine River. Until he realizes his rescuer is none other than Olivia Berg. What's a scrooge to do? Plug his nose and eat fruitcake and hope she doesn't learn his true identity before he can get out of town. What could go wrong?