Jenny McLean, a single mother juggling her job at a 911 call center and the challenges of raising her children, Elsie and Luke, is finding it tough to make ends meet. Despite still dealing with the aftermath of her divorce, she can’t resist the charm of Jeff, a local firefighter whose attractive voice earns him the nickname “Cowboy” during their emergency call interactions. When Jeff suffers an injury that prevents him from climbing stairs, he ends up renting a ground-floor room in Jenny’s home. As their connection deepens, Jenny is faced with the decision of whether to embrace the potential romance despite the risks involved.