Rivals Matt and Rick go undercover on a major fraud case to impress Kate. Chad and Minnie have a showdown in court, with unexpected results, and Matt gets more than he bargained for when he dares Kate to be more spontaneous.

Tensions are running high as Kate and Matt look into the case of a cheating spouse. Rick manages to expose an insurance scam involving broken ankles, theft and misguided love. Jim discovers a tragic family secret as he investigates a house fire.