Willie “Chill” Bruce, who was recently released from the California penal system, is trying to support his wife and six children on a paycheck working for an air conditioning company. He is surprised when he finds that his wages are garnisheed for the child-support of his son Willie Jr.
The devil is busy when Chill runs into an old penitentiary pal known as C-Dub. He presents Chill with an opportunity to participate in a simple robbery. When this turns out to be less than fruitful Chill goes into a depression.
Six months later, Jo-Jo, his brother in law hires him to work cleaning credit reports. Chill rapidly excels in his new occupation and becomes one of the Kings of Credit. As with everything illegal, the ride quickly comes to an abrupt halt.