A run-in with the adult son of the household leads to dismissal for governess Zahrah ibnit Yousef, or Zara MacLaren as the household knows her. Turned out of on a Christmas Eve, her circumstances go from bad to worse when she is robbed and then arrested.

Goldsmith and jeweler Simon Marshall recognizes the locket a young aristocrat tries to sell, and it leads him on a hunt for Zara, the friend of his childhood. He finds her. He finds trouble, too, and joins her incarceration.

They need a Christmas miracle. It will take a pair of charitable goalers, a little Christmas cheer, and the timely intervention of family to bring this story to a happy ending.