When a debt collector is murdered, Holmes and Watson attempt to narrow down a suspect pool of thousands of consumers who owed the man money. Meanwhile, Watson's relationship with Andrew progresses when he asks her to meet his father for the first time.

Holmes and Watson follow a blood trail into the world of wrongful death compensation when they investigate a series of murders in which the killer leaves envelopes of cash on the victims. Also, Holmes makes a generous gesture towards Watson as she suffers through the aftermath of a personal crisis.