Lorenzo Adams, a top bill collector at Lump Sum Collections, owes money to Uncle Frankie and has been giving him the slip for years. Uncle Frankie has tracked Lorenzo to Norfolk, Virginia and is coming to collect. With his back to the wall, Lorenzo finds no one to help but Pastor Kevin and desperate down-and-outers from an inner city mission, who serve as unwitting pawns in Lorenzo's scam to pay Frankie back.

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