12-year-old Frank Wheeler comes across street girl V when he and two friends pool their money to buy a glimpse of a naked woman. V takes the job and even agrees to drive Frank home. Along the way, the duo develops a friendship and Frank believes that this nice call girl would be the perfect partner for his widowed father Tom Wheeler. V eventually comes to live with the Wheelers disguiding as Frank's math tutor, then strikes a chord with Mr. Wheeler, but this budding romance is soon threatened by the return of V's past.