Patricia Langdon is pursued by two men, wealthy young banker Roderick Duncan and brash interloper Richard Morton. Patricia favors Duncan until her father, finding himself in dire financial straits, appeals to his prospective son-in-law for help. Patricia, believing that she is regarded as mere human collateral, insists upon making a legal transaction out of her engagement, with loan papers duly signed. Resentful, Patricia begins to encourage Morton's attentions, and when the two suffer an auto accident, they go to a country shack for the night. Meanwhile, Duncan, fearful for Patricia's safety, begins to search for his fiancée, arriving just in time to save her from Morton's advances. The incident forces Patricia to realize that Duncan's intentions are truly honorable and that she is much more than human collateral to the man who loves her.