Kate and Matt are unexpectedly thrown together on an out-of-town surveillance job while Rick is forced to face the music regarding his investment.

Matt and Rick go undercover on a major fraud case to impress Kate. Kate discovers the perks of tracking down a beautician with debts. Chad and Minnie have a showdown in court, with unexpected results. Jim is charmed by a famous footballer while investigating an insurance scam, and Matt gets more than he bargained for when he dares Kate to be more spontaneous.