Times are tough. Lester Banks, a cab driver in Indianapolis, can't pay his bills and is about to get kicked out onto the streets. His neighbor, a gorgeous young college student named Chelsea, is also on the verge of homelessness. He convinces her to become an escort under his guidance and protection. Their financial situation looks like it might improve until some dirty cops step in, demanding their cut. Lester makes a tragic decision to solve his own problems. Then the situation gets worse, more than he could ever have imagined.