一生倒楣的古惑仔李文龙（黄秋生饰），刚被收数大佬毒打完，返家后又发现老婆与奸夫偷欢。其后更被肥龙（车保罗饰）及骨精强（八两金饰）杀害……龙死后变成冤鬼，决意报仇。他获得电话修理技工刘培（李灿森饰）帮助去找出肥龙与骨精强的下落，而阿龙又帮刘培建立自信去追求阿May（杨凯斯饰）。互相帮助下，两人建立友谊，合力将肥龙及骨精强绳之於法

Debt collector Bruce has unusual collection methods, including torture by rock music. Having a bad day, he comes home to find his wife having sex with another man and is then confronted by triad boss Bill who gives him just three days to collect all outstanding debts. Then caught up in a heist by robbers Lung and Keung, he is kidnapped and forced to dig his own grave... By chance, Pui Lau finds Bruce's haunted mobile phone. They enter into an arrangement: Bruce will help Pui seduce pretty Maggie away from her rich boyfriend Royie if Pui helps Bruce punish Bill, Lung and Keung.