Frustrated punk rocker Otto quits his supermarket job after slugging a co-worker, and is later dumped by his girlfriend at a party. Wandering the streets in frustration, he is recruited in the repossession of a car by a repo agent. After discovering his parents have donated his college fund to a televangelist, he joins the repossession agency (Helping Hand Acceptance Corporation) as an apprentice "repo man". During his training, he is introduced into the mercenary and paranoid world of the...