Following her father's death and the discovery of his debts, high school sophomore Lucy moves with her mother and brother from their upper-middle-class neighborhood into a homeless shelter where she tries to come to terms with her new life.
Fifteen-year-old Ginger, who lives with her mother, stepfather, and younger stepsister and never knew her father, is convinced that the strange man who keeps showing up unexpectedly is really her dad.
After fifteen-year-old Ginger runs into a photographer in the park, Ginger begins to think the man--who has taken a mysteriously keen interest in her younger stepsister--is her biological father, who walked out on Ginger when she was three.