She is a lady in the 1800s in the the lower upper class in Paris, france. She is married to a clerk and they have a maid and lives in an apartment. Her husband came home with an invention to a really nice party and she is sad the she has nothing nice to wear.
When she got home and she found out that she had lost the necklace and had her husband find it.
When they couldn't find it and they lied and replaced it for 40,000 francs and went in a lot of debt.
She returned the necklace to her friend and they had to move and she had to start working they lived in someone's attic.
They worked for ten years and paid off their debt but she looked old and not so great.
She saw her friend that had the necklace and talk to her and found out the necklace was fake.