Twenty-eight years after Rich Coleman and Erica Fox narrowly survive their chilling death pact they are still together and deeply in love. They now have a son Matt who has just married and is running a very lucrative law practice specializing in consumer bankruptcy. Matt, however, is cursed with his mother’s greed and is obsessed with attaining great wealth and fortune. Matt’s new wife Lynn is definitely his soul mate sharing similar dreams of wealth and riches. All is going exceptionally well for them until Matt's success begins to take its toll on Houston's MidSouth Bank run by a very powerful and ruthless banker, Frank P. Hill. At first he is content to play some dirty tricks on Matt in an effort to discredit him. But when that doesn't work, Matt is warned one last time to back off his vicious attacks on the lucrative credit card industry or suffer dearly.