Kitty Foyle, a hard-working white-collar girl from a Philadelphia, Pennsylvania low, middle-class family, meets and falls in love with young socialite Wyn Strafford but his family is against her.

Small-time businessman Charles Engle is threatened with exposure for embezzling $3,000 for his free-spending wife. Deciding on suicide, he scribbles a note, stuffs it in his pocket and goes for one last night on the town. He is pulled into a poker game by conman Bill O'Brien and singer Nina Barone, but when they discover the dropped note, they resolve to turn the tables, get Engle his $3,000 and save his life.