Please go tear your hair out or watch paint dry. Either will be better than watching this drivel. This movie has a poor plot full of holes, no common sense and so much predictability that the viewer can see what's coming at every turn. No surprises or twists unless you're brain dead. One cliche after another. The brother gets himself into debt and wants to steal his sister's insurance money but instead of just doing that he sets up a grift involving a young woman who is a surrogate for his sister after her husband passes. He and his wife want a baby and can't afford to pay, so they choose this surrogate because she's also indebted to the brother as he loaned her money she couldn't pay back. Not sure why someone that's already broke is loaning a young girl money that clearly she won't be able to repay. It just completely compounds the problem. Even worse the brother also loans money to a con who just got out of prison and he can't repay his loan either. Big surprise there. Its so ludicrous that I'm laughing as I write this review. Who writes Lifetime movies? Drunken out of work soap opera authors that were previously fired due to poor skills? Good grief.