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John Collins is an agent at GFC, a Vancouver-based private financial services company, which deals in high interest loans and debt collection, including repossession were applicable. As one of the few agents with a private office, he seems to like his job a little too much in being dispassionate about the people with who he deals and their unfortunate plight as witnessed by he named the company's Man of the Year three years running as the highest collection agent, although he is slightly behind Bob Sorenson as this current year end nears. Regardless of that title, he discovers how much he is actually valued by the company in a measure classified by his boss as necessary office politics. He is approached by young neophyte colleague Brent Solverman who wants to shadow him truly to learn the business as Solverman is close to being fired for not even making quota, Collins allowing him to do so in making Solverman do what he offered: his proverbial and literal dirty work. But when Collins is hit with a personal stressor, he has to figure out how it will affect his psyche as a collection agent, especially as he was closing in on Sorenson for the title for the fourth time in a row, closing one the remaining items in his case file, arguably the most emotionally difficult but most lucrative, that of family man George Pettigrew, which would put him over the top.