Lorenzo Adams is in trouble. When working in a bill collection agency in Norfolk, Virginia, when Frankie Gutierrez, a Los Angeles Usury, appeared at his door, his old debt suddenly became due. With less than three weeks left to repay $100000, Frankie's law enforcement officer Omar has been tracking his every move, and Lorenzo has developed a plan to repay the debt through fraudulent collection agencies and a mission in the city center. Omar and the people in the mission were not what he expected, and Lorenzo's plan did not work as he had planned.