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