FROGS IN MY UNDERPANTS is a 100,000 word women’s fiction.
May you always have courage to take a chance
And never find frogs in your underpants.
Mary Collins is a mess. On the morning of her husband’s funeral, she is about to be buried in financial ruin. The mysterious disappearance of her money is only one of the many “frogs” she is forced to cope with. Secrets her husband concealed about his sexual orientation during their marriage unfold themselves in unexpected ways. Spurning victimhood, she sets out to hone her financial skills and discovers her estate is being defrauded by design. A crooked lawyer, a confused priest, a surfer dude who practices law in his spare time, a mysterious Latino lover and an attractive Arizona “howdy” wobble her emotional balance, as she struggles to absorb these revelations,
Initially set in New Jersey, FROGS IN MY UNDERPANTS moves through Florida, Martha’s Vineyard, Arizona and back over a period of two years during the no rules, go-go late nineties. Revving up her courage, Mary, with passion and humor, develops insights into matters of her heart and her pocketbook and attains a true sense of independence.
Is there a plot?
Cause what you've outlined here is character development.
Plus that list of characters described by cliches (crooked lawyer? c'mon) is a list, not a hook.
You do however use that quote to good effect, and that's a plus for thinking you might be able to pull this one out of the boulllabaise and save it.