As the historic fire ignites across town, Kathleen O'Leary finds herself dressed in borrowed diamonds and silk, enjoying a lavish masquerade. The penniless maid has caught the eye of Dylan Francis Kennedy, the rich, handsome gentleman all of high society has been speculating about. The night feels alive with magic and ripe with promise. Then fire sweeps through the city, cornering the young lovers with no hope of rescue.

Desperate to share their last moments together, Kathleen and Dylan impulsively marry. Incredibly, they survive. Now, as the fire burns down to cold ash, Kathleen must tell Chicago's most eligible bachelor that he has married a fraud. But the joke's on her. For this gentleman is no gentleman. While Kathleen had hoped to win Dylan's love, he had planned only to capture her heart and steal her fortune. Dylan Kennedy con artist, gambler, and ne'er-do-well has been unwittingly caught in his own game. Now the real sparks are about to fly.