Bud is a repo man - his job is to hunt down and re-possess cars on which the owner's payment is overdue. Sometimes dirty, sometimes dangerous, usually drug-fuelled, he takes on Otto Maddox as an apprentice and starts teaching him the tricks of the trade. Then the call for the big job goes out - $20,000 to the first to track down a 1964 Chevy Malibu. Suddenly every repo man in the city is on the case - as are government agents.