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Tom and Linda try to get a new loan to save Linda's tanning salon, but the loan is refused and the bank threatens to seize their house if they do not repay soon.
In the middle of the night, Tom Leroy calls the emergency services to say that he has had a road accident and that his wife is stuck in the fiery wreck. When emergency services arrive, his wife is already dead.
A few days before the accident, Linda has thought everything through and has a plan to get out of trouble.