To do this Stephanie, Lula and Connie all need to dive headfirst into the criminal underbelly of Trenton, New Jersey and find and apprehend Vinnie's outstanding FTA’s that include a man wanted for polygamy, a turnpike toilet paper bandit, and a drug dealer with a pet alligator named Mr. Jingles.

Lula and Connie want Stephanie to ask for help from her on and off again boyfriend Jo Morelli, Trenton’s hottest detective.

This only leaves security expert Ranger, Stephanie’s long term mentor and Morelli’s competition, to go to for help.

Stephanie however resists the urge to seek help from both her favourite men in her life and goes it alone with her gal-pals Lula and Connie.

In the end Stephanie needs to be rescued by Ranger, Morelli and Mooner’s merry hobbits, after being kidnapped by Vinnie’s former creditors.