Lorenzo Adams is in trouble. While working at a bill collectionagency in Norfolk, VA an old debt of his own suddenly comes duewhen Frankie Gutierrez, an L.A. loan shark, shows up at his door.With less than three weeks to payback $100,000 and Frankie’senforcer, Omar, shadowing his every move, Lorenzo cooks up aplan to pay his debt by scamming the collection agency and aninner-city mission. Neither Omar or the people from the missionare what he expects and Lorenzo’s scheme doesn’t work quiteas he plans.