Morgan confronts Bobette about the way she has manipulated Julia as his relationship with Julia hangs in the balance. Elsewhere, Bobette and Brandy attend Madison's bridal shower, where they receive the cold shoulder from Madison's mother.
Julia meets all the Buffkins when Bobette invites her to join Morgan for a family dinner. Elsewhere, an RV salesman who is late on a payment pulls a gun on Bobette and Morgan; and two prostitutes who owe money ask for help with finding a place to live.
A defaulting borrower hands Morgan the keys to his fishing boat, but the boat is locked in a storage facility that belongs to a nemesis who refuses to turn over the vessel. Meanwhile, Cooper tries to rekindle the romance in his marriage, but the results are less than he hoped for; and Brandy visits Pastor Jeff to talk about her indiscretion.
Morgan gets a surprise when a man claims to be a long-lost cousin, but soon he and Bobette doubt the man's story; Cooper discovers that a bank owner is unfairly charging Prestige clients, and Bobette has an angry borrower who is eager to get revenge on the man; Mike leaves town in fear after another encounter with the Mamayo Brothers. Doug: Scott Holroyd. Ned Schmidt: David Dalton.
Morgan continues his research into his past while he and Bobette press a failed businessman who owes money on a loan. Meanwhile, Brandy takes matters into her own hands regarding Mike's financial problems. Dennis Parnell: Arron Shiver. Mayor Luttrell: David Grant Wright. Dimitri Rosivich: James Michael McCauley.
Morgan angers Bobette when he confronts her about the discrepancies in her stories about his childhood. She responds by revealing the rest of the secrets about his past. Meanwhile, Julia is guarded when Detective Yapp becomes curious about her research; and Brandy and Mike continue to struggle financially.
Brandy tires of Mike's get-rich-quick schemes, while Mike takes desperate measures to pay off his debts. Thanks to Julia's research, Morgan believes he's not related to his family and seeks the truth. Dr. Bowers (Peter Bogdanovich) may have answers regarding Morgan's past. Bobette gets help from Morgan, who confronts her new business rival (Peter Navy Tuiasosopo).
In the opener of a drama following a family that runs a high-interest loan business, matriarch Bobette Buffkin (Laurie Metcalf) has problems from new competitors and middle son Morgan (Jeff Hephner) steps in to help. Meanwhile, Morgan probes a childhood secret with the help of beautiful grad student Julia Miller (Marsha Thomason). Det. Yapp: Chris Browning. Cooper: Jay Ferguson.