Just when the hopeless Kresk (Steve Zahn) believes he has hit rock bottom, he finds a hidden collection of riches. Unfortunately, the coins he stumbles across were recently stolen from ruthless billionaire Bollingsworth (Tom Wilkinson), who will do anything to get his priceless possessions back. Kresk's life goes from bad to worse. Before long, he must contend with Bollingsworth's thugs, a robber (Jeff Goldblum) and a beautiful detective (Salma Hayek) whom Kresk can't help falling for.