After 20 years, Elizabeth "Betts" McGee has finally managed to put her past behind her. She hasn't been home to beautiful South Carolina and untouched Bulls Island since the tragic night that ended her engagement to Charleston's golden boy, J. D. Langley.

And why is that? Really, this is the story of two old Southern families. The Langley family has more money than the Morgan Stanley Bank. And they think they have more class. The Barrett family made their 19th-century fortune in a less distinguished manner: corner grocery and liquor stores. It's no surprise that when J. D. and Betts fall in love and decide to marry, their parents are none too pleased. And when the love affair comes to an end, everyone is ready to place blame.

Now 20 years have gone by, and Betts, a top investment bank executive, must leave her comfortable life in New York City to return to the home she thought she'd left behind forever. But spearheading the most important project of her career puts her back in contact with everything she's tried so hard to forget: her estranged sister, her father, J. D., and her past.

Once she's home, can Betts keep the secret that threatens all she holds dear? Or will her fear of the past wreck her future happiness? And what about that crazy gator? All will be revealed on Bulls Island.