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Nothing gets between Anne Marie (Kate Bosworth) and her board. Living in a beach shack on Oahu with three roommates including her rebellious younger sister, she is up before dawn every morning to conquer the waves and count the days until the Pipe Masters surf competition. Working as a hotel maid to pay the bills, Anne Marie finds everything else she needs in the adrenaline-charged surf scene ... until pro quarterback Matt Tollman (Matthew Davis) comes along. Like it or not, Anne Marie starts losing her balance - and finding it - as she falls for Matt.
Joe Tyler (Matthew Perry) might just have one of the worst jobs in the world, but he'll stop at nothing to do it. A down-and-dirty process server with ingenious methods of laying legal documents on everyone from mobsters to millionaires, Joe is a man determined to serve his man - or woman - at all costs. Sara Moore (Elizabeth Hurley) is Joe's next victim. Her conniving partner, Gordon (Bruce Campbell), a wealthy cattle rancher with whom she has amassed a fortune, has hired Joe to serve Sara with papers that threaten to cut her off. While at first Sara might not know what hit her, once the shock wears off, she's ready to strike back and go after waht she's entitled to - the money she earned with Gordon, a sizeable chunk of his ego...and just maybe a shot at true love.