Molly's unstable employment history comes back to haunt her when she applies for a loan for the down payment on her apartment. A few rejections later, she reluctantly takes her mother's advice and asks Arthur Feldman to lend her the $7,000 she needs. After a brief encounter with her chatty new neighbors, Ron and Ramona Luchesse, Molly meets her ex-husband, Fred, for dinner and lets him in on her little secret.