Philadelphia newcomer Darien Jackson may be young, gifted, and beautiful, but she's also maxed out on her credit cards, behind on her car payments, and unable to make the rent on her swanky apartment. Worse, her older (less flashy) sisters refuse to bail her out even one last time. On the bright side--if you could call it that--a year-long dating dry spell has kept one area of her life drama free. Then a repo man arrives to tow away her Diamante--and Darien suddenly faces the tall, hard-body chocolate Adonis who's about to drive away with her car...and her heart. Successful entrepreneur Maxwell Ferguson has came up the hard way via a big Georgia family and a life that is all business and no pleasure...until one look at foxy Darien knocks him on his fine behind. A flirty spendthrift, she's just what he--and his disapproving family--don't want for his wife. But Darien may just be what too-serious Maxwell needs to bring laughter to his days and passion to his nights. Do they have a chance? Only if love can change the odds, his kin, and her credit rating...