Lorenzo Adams (Gary Moore) works at a bill collection agency in Virginia and things seem to be going fairly well for him. All of that changes when loan shark Frankie Gutierrez (Danny Trejo) shows up one day, telling him that he has 3 weeks to pay back a $100,000 debt. To make things more complicated, Frankie leaves behind his enforcer, Omar (David Krusen), to keep an eye on Lorenzo and make sure that he makes good on his repayment. In a desperate move, Lorenzo comes up with an idea to scam the company he works for along with an inner-city mission. Will Lorenzo's crazy idea work, or will he encounter more problems along the way?