The Midnight colt

Peck o' Trouble is a high-strung race horse that won't settle down. Ben Darby is a boy from an Idaho ranch who sees some good in Peck and convinces his uncle Wes to loan him enough money to purchase the anxious horse. The trouble is Peck may have to learn how to walk again before he's ready to run, and Ben only has one summer to train him, race him, and resell him.

With a race horse that's afraid to race and a loan he can't afford to pay back -- guess you could say Ben Darby is in a peck o' trouble.