A Red Garters, Snow and Mistletoe tale... BBW court reporter Fallon Nichols supplements her income by working as a phone sex artist. When she gets a phone call from three guys looking to play a joke on a friend of theirs, she gladly auditions, letting the dominant "Mr. X" run the show and doing exactly as he asks. It turns out to be an exhilarating experience, one that she's eager to repeat. San Diego attorney Burke Gordon is shocked by the attraction he feels for Serendipity, after all he's only heard her voice and doesn't know what she looks like. But that doesn't matter to him. She's awakened something inside him that has to be fed, and she's the only woman he wants on the menu. When Burke discovers Serendipity's real identity he's thrilled. Fallon, however, thinks Burke is way above her station in life, and it takes a little thing like tinsel to convince her that they belong together. Forever.