Midwest, anal retentive bank manager Marshall has his world turned upside when he finds out his deadbeat cousin Derrick, who has come to stay with him, has some local lackeys after him for money he owes. When the lackeys begin to threaten Marshall by lumping him in with Derrick because he's staying with him, Marshall must find a way to pay back the thugs who are out to get the unlikely pair. The immediate solution, brought up by Marshall 's stoner, bank employee, takes the two on a wild and adventurous night dodging hit-men, police and burying 'evidence.'