LorenzoAdamsisintrouble.WhileworkingatabillcollectionagencyinNorfolk,VAanolddebtofhisownsuddenlycomesduewhenFrankieGutierrez,anL.A.loanshark,showsupathisdoor.Withlessthanthreeweekstopayback$100,000andFrankie’senforcer,Omar,shadowinghiseverymove,Lorenzocooksupaplantopayhisdebtbyscammingthecollectionagencyandaninner-citymission.NeitherOmarorthepeoplefromthemissionarewhatheexpectsandLorenzo’sschemedoesn’tworkquiteasheplans.