While her yacht's stuck for repairs in a small Oregon town, spoiled socialite Joanna Stayton hires local carpenter Dean Proffitt to remodel her closet, but then refuses to pay him. So when she accidentally falls overboard and loses her memory, Dean takes his one chance for revenge. Claiming she's "Annie," his old ball and chain, the hunky widower makes her work off her debt by taking care of his house and four unruly children.