After a few tiring years on the road, nationally known singer Henna James takes a sabbatical and visits her dear friend, Monica. During her search for rejuvenation and inspiration for her next CD, she meets Craig, Monica's flighty, womanizing younger brother. Though at first they refuse to admit it, sparks fly between these two very different people. Henna falls harder than she cares to admit. Craig, too, is having feelings he's never experienced before, but Craig hasn't been completely honest. He has a long-distance girlfriend, Nia, who suddenly pops into town and delivers a commitment ultimatum. She is tired of their on again/off again relationship, and she is ready to be married. Craig is torn, but ultimately his decision is made for him. Henna learns about Nia, and quickly ends the affair with Craig. Seeing no hope of reconciliation with Henna, Craig proposes to Nia, but before the wedding takes place, Henna delivers some surprising information that could change everything. Now each of them has decisions to make. Is Craig ready to become responsible for the first time in his life? And if Henna decides to take him back, will she ever be able to truly forgive him? Three Chords and the Truth is about leaving behind emotional baggage, trusting the heart after being hurt, and loving outside your comfort zone.