Advertising executive Peter Brantley is carjacked at gunpoint when a drug bust goes bad at a bus station near where he is stopped at a traffic light. After the carjacker instructs Peter to drive to a deserted, rural area, Peter knows he will be murdered as a witness, so he intentionally crashes his car and leaves the unconscious criminal at the scene. But Peter keeps the gym bag of cocaine left in his car. With a marriage on the rocks and depressed over his brother's death from a drug overdose, Peter back home comes up with a wild scheme to get even with the drug dealers by ransoming back the drug-with no intention to deliver. He enlists his skeptical but capable wife, Mary Beth, to help him go against the odds to face a ruthless drug kingpin and a drug task force leader who are both closing in.