Jill, the struggling proprietor of a seaside inn, believes she is blissfully engaged to a rising entrepreneur, but her fiancé Nick is going broke and is cheating on her with sexy, scheming Sherry, one of Jill’s employees.
A strange seafarer shows up with a far-fetched tale that Jill’s pirate ancestor Maria left a fortune behind in the Bahamas hoping that one day her descendants would discover it. When financial troubles lead Jill to take up the quest to solve the mystery of the lost treasure, her adventure quickly turns into a nightmarish battle for survival when everyone she thought she could trust betrays her. She's pitted against fanatical treasure hunters and violent criminals. Alone and desperate, Jill is forced to team up with an enigmatic stranger named Mike. But this may be a choice that gets her killed...