Ray Davis is newly divorced, going nowhere at a dead-end job in a warehouse, and has almost worked off the debts his ex-wife rang up. Then his underinsured brother's need for a liver transplant forces Ray to come up with a lot of money, fast. When he attempts to recover the profit he made with an old business partner, Ray discovers that the partner is dead and his investment has fallen into the hands of a drug dealer. The dealer has used the cash to buy a large supply of cocaine; he and his gun are not inclined to return...