Matt and Rick go undercover on a major fraud case to impress Kate. Kate discovers the perks of tracking down a beautician with debts. Chad and Minnie have a showdown in court, with unexpected results. Jim is charmed by a famous footballer while investigating an insurance scam, and Matt gets more than he bargained for when he dares Kate to be more spontaneous.

Matt is hired to locate a lottery winner by a woman determined to claim the prize from her missing husband. Kate's experience as a single mother affects her judgment in a tricky adoption case.

Kate's past returns to haunt her when her daughter Emma goes missing; Matt and Chad go undercover to catch a cheating management consultant; Rick tracks down a key player in the property scam that upended his life and Chad's life takes a surprising turn when an old flame makes him a tempting offer.