 Zack borrows some money from a bully in the game room. Cody enters a spelling bee. When Zack cannot pay the bully back, he is forced to try and make Cody lose the spelling bee on purpose. Maddy and London fix up a needy family s apartment, well Maddy fixes it up. London brings photographers to catch her "helping" people. London reads the article about her in the paper and believes that she really helped those people, until the family comes to the Tipton looking for Maddy, not her, to thank her for all her hard work and the toys that she had given them.