Eleven-year-old Margo Bandini has never been afraid of anything. Her life in Johnstown, Pennsylvania, with Mama and Papa and her little brother, Charlie, has always felt secure. But it's 1933, and the Great Depression is changing things for families all across America.

One day the impossible Papa cannot make the payments for their house, and the Sheriff Sale sign goes up on their door. They have two weeks to pay the bank, or leave their home forever. Now Margo is afraid--but she's also determined to find a way to help Papa save their home.