Seventeen year old Carter Collins is in, well, for lack of words, a crapload of trouble. She must carry the burden of her father's death alone, take care of two sisters, deal with her irresponsible, desserting mother, and, worst of all, pass calculus. Having no experience in the ways of running a household, Carter has to teach herself on the fly. Her little system of working, going to school, and working seems to be running just fine until her insurance worker shows up at her door with an eviction notice. Stunned beyond words, Carter must find a new way to come up with money she doesn't have. At this point, Carter is stuck between a rock and a hard place. She is reduced to taking what is not hers. Unwillingly forced to the ways of thievery, Carter finds out just how hard life, love, and the real world can really be, and she convinces herself that the only way to succeed in the world is to trust no one. After all, the world isn't fair, and nice guys finish last.

Matt Whitman is the star jock at his school. His entire high school career has gone off without a hitch, and now there is only one championship standing between him and a shot at going to the NBA. Every waking moment, all Matt can think about is basketball plays and boring history lectures. During the night, however, he is plagued with a dream that replays itself. After the dream repeats itself three times, Matt finds what he imagined in his sleep became reality. Ever since then, whatever Matt dreams three consecutive times comes true, so when he dreams of a troubled girl in his area who commits suicide, Matt knows he must use his amazing, unorthodox gift to save her before it is too late.

After the loss of her twin sister, Amelia Howell is told time after time by authorities that it was suicide, but she has convinced herself that it was something else. Amelia goes on a hunt to discover the details of the night her sister died, and slowly she unravels the painful details of what would forever be known as the most terrible night of her life.