Estranged from his father, college student Jake is lured home to New York for Christmas with the promise of receiving a classic Porsche as a gift. When the bullying football team dumps him in the desert in a Santa suit, Jake is left without identification or money to help him make the journey. Meanwhile, his girlfriend, Allie, does not know where he is, and accepts a cross-country ride from Jake's rival, Eddie.

Three young boys pool their money and pay V, a kindhearted prostitute, to strip for them. Afterward, she drives them home to the suburbs -- but then her car breaks down. It's just as well, though, because a mobster named Waltzer is after her, and V realizes the suburbs are the perfect place to hide. But things get a lot more complicated when V falls in love with Tom, a single father who is unaware of her real profession.