Claudia, Haylie Duff, is out for dinner with her boyfriend Drew, Eric Johnson, and his friend Jace, Jon McLaren.
While out, Claudia receives a call from her brother Carter, Dillon Casey, who has been arrested for the third time and asks her to bail him out of jail. Claudia heads to the jail with Drew and bails Carter out. On the way to drop Carter off at his place, the three of them argue about Carter's pattern of getting into trouble. After they drop him off, Drew drops Claudia back at home, and they continue to discuss Carter's problem. Drew believes Carter is taking advantage of Claudia and that she needs to stop bailing Carter out, but Claudia disagrees and angrily leaves the car.
Claudia returns to her job as a live-in nanny for the Tyrell family, tending to their young son Aidan, Alex Cardillo. She walks in on Julia Tyrell and Evan Tyrell arguing. Julia, Jessica Steen, notices Claudia, asks her how her night was, and asks her to go and check on Aidan.
Later, we learn that Carter was hiding drugs for a drug dealer, and that what he was looking for was a stash of cocaine worth 10k, and that he has a week to produce the cash. Carter pays a visit to Claudia and begs her for a $12,000 loan to pay off the drug dealer, and that without the money, the drug dealer will have him killed. Claudia doesn't believe him and refuses to help, and he proceeds to storm off. One of the neighbours overhears their fight.
The next night, Claudia is at home with Aidan, Julia and Evan when a burglar breaks in and robs the family. Claudia was upstairs with Aidan at the time and the two of them hide in the closet. Aidan's grandfather tries to stop the robbers with a golf club, but the intruder shoots him. The police and paramedics arrive at the scene and rush the grandfather to the hospital where he later dies. At the hospital and Tyrell home, the police are taking statements. Claudia starts to think about Carter and suspects that he may be involved. She gives him a call, which he does not answer, and she decides not to tell the police about him. In another scene, Drew is sitting at the table with Jace when Claudia calls him and explains to him what happened. After she hangs up, Drew tells Jace that if anyone asks about his whereabouts the night of the incident, that he was with Jace all night.
In a meeting between the detectives and Julia and Evan, they inform them that they believe that the intruder knew the family. As the investigation continues, the detectives learn about Carter and the trouble he's been involved with and starts to suspect that Carter was behind the robbery and the murder of the grandfather and that Claudia is somehow connected. This discovery results in Julia kicking out Claudia from their home. While Claudia is in her car, the drug dealer that Carter owes money to jumps into her car and threatens her with a gun if Carter doesn't pay up.
While at a corner store, Carter sees himself on tv and hears on the news that he's a suspect. This news story leads him to call Claudia, and the two of them meet up. Carter tells her that he had nothing to do with what happened and explained to her what happened that led him to recently being arrested. She believes Carter and urges him to lie low as she tries to figure out who could've done this. She starts to suspect Drew since he didn't answer any of her calls the night of the robbery and confronts him about his whereabouts. They argue and he reveals that he was out with ex-girlfriend which was why he lied. Later, the two reconcile and as they're talking she starts to suspect that maybe it was Jace as he was also missing that night. Drew doesn't believe Jace is capable of this but as he and Claudia investigate, his suspicion starts to rise. More clues point to Jace as the one behind everything. Later, Claudia and Jace are alone in the house, and when he realizes that Claudia is on to him, he tries to hurt her, but she runs away causing him to run after her. Drew comes home shortly after and realizes something is off when he sees Claudia doesn't seem to be around and that keys are lying on the floor. He later finds Claudia and the two of them are able to take down Jace long enough for the police to arrive. In the end, charges are dropped against Carter, Carter and Drew make amends and Claudia reconciles with the Tyrell family.
