Young real estate agent Clara Morales encouraged risky loans to her clients during the housing boom. She must now rescue her father’s home from foreclosure - a consequence of the loan she advised him to take.
When her mother falls for a wealthy man, Lina Cruz must move in with her new stepfather and transfer from an urban East Los Angeles public high school to an exclusive prep school in Malibu, where she struggles to fit in with her affluent new peers. After snooty cheerleading captain Avery blocks Lina from varsity, Lina recruits her best friends from her old school to help her whip the pathetic junior varsity cheerleading squad -- the Sea Lions -- into fighting shape.
In the opening years of the new millennium, two mutually dependent families attempt to extricate themselves from their own entangled web of dishonesty.
Needing a new partner capable of intricate cons, Richard Gaddis, recruits Rodrigo, a crook with a perfect poker face. The two plan a big-time scam: selling a fake Silver Certificate to currency collector William Hannigan. Rodrigo distrusts his new associate, but needs money to help out his ill father. The situation becomes more complicated when Rodrigo falls for Gaddis' sister, Valerie, drawing another player into the game.
Khaila Richards, a crack-addicted single mother, accidentally leaves her baby in a dumpster while high and returns the next day in a panic to find he is missing. In reality, the baby has been adopted by a warm-hearted social worker, Margaret Lewin, and her husband, Charles. Years later, Khaila has gone through rehab and holds a steady job. After learning that her child is still alive, she challenges Margaret for the custody.