ADAM ALBERTA BRANDON CHRISTINA CLIENT COLLECTOR DEBTOR_1 DEBTOR_2 EDGAR GARRETT GINA GIO JUANITA JUDGE KENYATTA LEON LOUDSPEAKER_DJ MARIO MIKE MRS_REYNOLDS NICO OSCARA PRISON_GUARD RAVA REALTOR REGINA RONALD ROSS SEAN SOUNDTRACK WAITRESS CHRISTINA Gio. Come here. Come on. GIO No! CHRISTINA Baby. Wait. Listen. Listen. GIO I don't want to go! CHRISTINA Listen to me. Come on. Come on. GIO No! No. CHRISTINA Come on. CHRISTINA GIO BRANDON Come on. Come on. GIO CHRISTINA It’s okay, baby. CHRISTINA It’s okay, honey. It’s okay. BRANDON BRANDON Pick up. Pick up. Pick up. Fuck! CHRISTINA Listen to my voice, baby. CHRISTINA it’s okay. It’s okay. ADAM When was the first time you were contacted by this inspector? MRS REYNOLDS About a year ago, I think. I was at work when I got a call from HR asking why there was a man by the name of Inspector Davis attempting to confirm my address of employment so that he could serve me judgment papers. For the next four months, he continued to call my job. For the next four months, he continued to call my job. Blew up my cell phone, threatened to have me arrested. He harassed my daughter in Memphis, my ex-husband, telling them that I was a deadbeat. I lost weight. I couldn't eat. I couldn't sleep. I almost lost my job. ADAM All of this for a 10 year old debt for $453.12. Your witness, Counselor. MIKE Ms. Reynolds out of curiosity, how did you trace this inspector Davis as an employee of my client? MRS REYNOLDS I Googled the number that kept showing up on my caller ID. Um, that led to a consumers’ forum where there were plenty of other people receiving similar calls. I traced that to Amg Receivables. MIKE Do you have any real proof? Uh, recordings of conversations? MRS REYNOLDS Well... MRS REYNOLDS no. MIKE Verified witness statements? MIKE Was that a no? MRS REYNOLDS No. MIKE Surely your... MIKE phone bill will show proof of the calls. Did you bring a copy of that bill with you today? MRS REYNOLDS I'm no longer with that phone company. MIKE ‘Cause you didn't pay your bill. ADAM Objection. MRS REYNOLDS JUDGE Overruled. MRS REYNOLDS I was a few months behind, yes. MIKE In fact, other than the phone bill and this medical debt in question, you've got quite a few derogatory marks on your credit for failure to pay, isn't... MIKE that correct? MRS REYNOLDS Correct. MIKE Three repossessions, an eviction, four credit cards currently 120 days past due. MRS REYNOLDS I've fallen on hard times. MIKE So hard... MIKE that you are now suing my... MIKE client for thousands of dollars for allegedly... MIKE collecting on a debt that you lawfully owe. How is that any different from extortion? ADAM Objection! Come on, Mike. Please! MIKE Withdrawn. BRANDON To another outright dismissal. What is that? Four in a row, Michael? MIKE This one's a little too... MIKE close for comfort thanks to Inspector Davis over there. ROSS Eat a bag of dicks. MIKE Oh, I'm sorry, you must have me confused with your... MIKE old cellmate. MIKE What the fuck! MIKE You... MIKE motherfuckers need to start taking this shit seriously. There's no way you can operate a business like... MIKE this on the defense. ROSS Yes, says Jew. MIKE I can't with this guy, Brandon. BRANDON This guy is the driving force behind Amg, Michael. BRANDON The type of... BRANDON paper we collect... BRANDON we're good at what we do because we use alternative methods... BRANDON of recovery. MIKE You ever think of buying... MIKE safer paper? BRANDON What the fuck is the fun in that? MIKE I'm just trying to protect what you've built. MIKE The reality is the climate’s changed. The FTC, CFPB... MIKE FCC, they've all caught wind of what's going on. MIKE Seventeen operations have gone down in the past six months. MIKE The number of Fdcpa lawsuits like this one tripled last year. It's a different animal. MIKE Fine. I tried. BRANDON What is this? ROSS It's porn. Just that tranny shit that he's into. MIKE Close. It's actually my bill. MIKE Your E&O declined the insurance claim on this lawsuit. MIKE Now you have to pay me directly. So... MIKE “Jew-wanna” cut me a check now... MIKE or send me a wire ROSS Fucker! BRANDON All right. BRANDON Come on, come on. MIKE You want me to cut you a check? I’ll... ROSS cut you a fucking check right now. Piece of... BRANDON Calm down. ROSS shit! BRANDON Come on, come on. MIKE Get your fucking wombat under control... MIKE or find new counsel. ROSS Hey, go fuck yourself! MIKE I mean it! ROSS BRANDON In through the nose. Out through the mouth. Sit down. God. Blood pressure must be sky high. BRANDON You take your pill today? ROSS I’m good. BRANDON Here. ROSS BRANDON You... BRANDON remember in sophomore year when you dropped like a sack of shit in speech final? ROSS BRANDON Hm? ROSS Oh, fucking Tommy Slate’s mom was a nurse that day, you know? I was looking for an excuse to bask in those titties... ROSS for a few hours, you know? BRANDON Mm. She did have a great pair of tits. ROSS Oh, God, did she. Fake. BRANDON Stop. ROSS You could never... ROSS tell the difference. BRANDON I mean, I was always more of an ass man. ROSS Mm. Clearly you never discriminated. Missy Novak. ROSS Dude, I mean, her chin looked like two fucking testicles hanging from her lower lip. ROSS Right? ROSS She had a dick face, bro. You know it. BRANDON Yeah, but great ass. ROSS Ju- great ass. ROSS Dick face, bro. ROSS You think maybe the Jew could be onto something here? BRANDON What do you mean? ROSS Paper quality. I'm just saying I-I think that maybe we should keep our options open here. We got a stack of bullshit lawsuits... ROSS sitting on your desk right now that we got to pay out of pocket to defend. So maybe... ROSS it can't hurt to diversify the portfolio a bit. BRANDON You're joking... BRANDON right? ROSS No. Look, we-we-we buy some repo packages from Chase Auto. ROSS We collect on the deficiency balance. We run some hard pulls. Hell, if that doesn't work, we file an action to collect. Right? It’s all legit. BRANDON You know, we're good at what we do. Right? That's what gives us seven figure years. BRANDON And we're about to bet it all on the biggest package in receivables history so I need you focused... BRANDON okay? We push the envelope. Hm? BRANDON And then it's fuck you money per quarter... BRANDON for life. BRANDON Fuck you money. ROSS Fuck, Brandon. BRANDON That's what... BRANDON it's all about. Nothing else. ROSS Fine, but... ROSS I'm not going back inside, bro. BRANDON I’m not gonna let it happen again, okay? BRANDON Tonight is the start of something transcendent for our company. And I need you. BRANDON You're my brother. ROSS Mm-hm. PRISON GUARD Yo, Moss. It’s time. MARIO Hey, watch it, Puta. OSCARA Oh, hiya. How you doing? BRANDON I’m... BRANDON good. OSCARA Oh, it’s so good to see you. Um... OSCARA we haven't seen your wife at the club for a while. BRANDON Yeah. OSCARA Um... OSCARA Well, it's nice to see you. Um, thanks for all your years of membership with us. SEAN Mom, Dad. Hi. SEAN Guess I didn't catch you guys this morning. SEAN Just figured there was some kind of scheduling mix up, so. SEAN You guys miss me? I mean, hey, it's been 18 months with no visit. GARRETT Why don't we take this conversation outside. SEAN No, no, no, no, no, we can do it here. I mean, we're all essentially family. Right? GARRETT Come on outside... GARRETT now. SEAN No! Here. GARRETT What the hell. You've already destroyed the family name. Why not milk it? SEAN I... SEAN made a mistake, Dad. GARRETT You're a drug dealer. A felon. GARRETT What did you expect to happen when you got out? GARRETT Sean's home, everybody! GARRETT Let's hit the links. GARRETT Party time. GARRETT Look at her. Look what you did. Your own mother. All the Xanax and Klonopin in the world will never be able to fix this. SEAN I’m... SEAN so sorry, Mom. GARRETT We are well past the point of apologies. What's it gonna take? GARRETT I’ll cut you a check right now... GARRETT just to disappear. SEAN And then what? We’re done? GARRETT 20 grand? SEAN Are you buying me off? GARRETT 30 then? SEAN Mom! SEAN Okay. You want to talk numbers, let's talk numbers. How about 15. SEAN The number of years that you used this “disgrace of a son” to market Moss Jewelers to your community, pasting pictures of my three consecutive all Valley MVP awards on your storefront to justify insane markups. Huh? GARRETT Seventy-five thousand dollars. SEAN Oh, that's a small price to pay to ostracize the same kid that changed your colostomy... SEAN bag daily for weeks on end... SEAN after your prostate removal. GARRETT Hundred thousand. SEAN How could we ever forget that- that time when I was 14 and I read the eulogy at Papa’s funeral because you were too shit faced to get your act together and be a rock for your own family... SEAN when we needed you most! SEAN Five hundred thousand dollars! GARRETT Done. SEAN GARRETT Stay the hell out of our lives... GARRETT you disgraceful piece of shit! BRANDON Mid six... BRANDON figures from old man Moss. BRANDON Fuck me. BRANDON I'm impressed. BRANDON You know, I played skins with that cheap prick a few times. BRANDON There’s a reason they call him alligator arms. You know what I'm saying? Of course you know what I'm saying. You're his son. Or... BRANDON we're his son. BRANDON Here, take a look at this. SEAN ...act together and be a rock for your own family when we needed you most! Five hundred thousand dollars! What the fuck is this? BRANDON It's a job interview. SEAN Yeah, okay. I'm a convicted felon. BRANDON It's a prerequisite in my field. SEAN Which is what exactly? BRANDON Collection. BRANDON Brandon. SEAN Sean. BRANDON Are you coming? SEAN Are you kidding? BRANDON It's not gonna drive itself. BRANDON Got anywhere better to be? ROSS I’m heading out. I’m gonna be back later. ROSS Love you, Mama. ROSS Who’s the twink? BRANDON New blood. ROSS Fucking back. LEON Well, if it ain't the fucking Bizarro... LEON Robin Hood in the... LEON flesh. How's the receivables... LEON business treating you? BRANDON Well, hopefully you're about to tell me. BRANDON Accounts? LEON Over 40k. LEON Average per... LEON six figures worth of debt. LEON Some tasty-ass accounts. We're talking potentially nine zeros. BRANDON And that's a shit ton... BRANDON of dead beats. LOUDSPEAKER DJ Daddy’s... LOUDSPEAKER DJ Angels main stage... LOUDSPEAKER DJ give it up for Svetlana. ROSS Yo. ROSS Yo. ROSS We’re good. BRANDON Problem? LEON You're light. ROSS Well, considering the amount of bad... ROSS paper you sold us last month... ROSS I'd say we're heavier than your... ROSS mom's period. NICO What the... NICO fuck did you just ROSS Tell the glory... ROSS hole to relax. LEON Relax! BRANDON Bad... BRANDON paper, the majority. BRANDON Previously paid to another agency... BRANDON or belonging... BRANDON to individuals who have been... BRANDON deceased or filed for chapter seven. LEON BRANDON If the package is what you say it is, then great. Then... BRANDON we can resume business as usual. LEON It's legit. BRANDON It better be. BRANDON I’ll meet you outside. BRANDON You should probably ice those. ROSS She's cute. CHRISTINA Excuse me. Sorry. BRANDON Hey, um... BRANDON Um... BRANDON For the dance. CHRISTINA Uh, oh, look, sorry. I don't have time for a private. I have to take my son home. BRANDON Is, uh, that your real name? BRANDON Svetlana? CHRISTINA Do I look Russian to you? CHRISTINA Thank you. MARIO Hey, mijo. MARIO Hey, mijo. MARIO So, what is it, Halloween or something? CHRISTINA My uniform. MARIO What are you, a stripper? MARIO Fucking kidding me?! MARIO You told me you had a cashier job. CHRISTINA I did. MARIO So between that and Edgar you can’t take CHRISTINA Edgar... CHRISTINA hasn’t been by the past three months. MARIO You try both his cells? CHRISTINA Disconnected. MARIO I’ll handle it. MARIO I’ll handle it. CHRISTINA How? How exactly? MARIO I have to get ahold of Edgar. CHRISTINA Did you not just hear me? MARIO I’ll... MARIO figure it out, alright? MARIO I'll find him. CHRISTINA Oh, from in here, huh? CHRISTINA With a sundial? CHRISTINA That's great. In the meantime, my phone's been... CHRISTINA blowing up 20 to 30 times a day from debt collectors because... CHRISTINA I can't pay our bills! MARIO Hey, hey, you watch yourself. CHRISTINA These... CHRISTINA people are threatening to sue me, ruin my credit. We’ve been evicted. MARIO Then Uber or some shit till I figure it out. CHRISTINA With Gio in the car?! CHRISTINA You promised you would take care of us. You promised. CHRISTINA Let’s go. ROSS Alright, everybody meet Sean, the fucking new guy. ROSS There... ROSS we go. And don't let his... ROSS white bread Bougee appearance deceive you. ROSS He’s a piece of castaway trash just like all of us, alright? ROSS So let's treat the kid with a little bit of respect, huh? I.e… ROSS no tampon strings hanging out of his herbal tea... ROSS Juanita. JUANITA Man, that... JUANITA shit was a accident, Rossy, baby. ROSS Well, that accident cost us 60k in a workman's comp settlement there, Aunt Jemima. JUANITA Don't make me get up out of this chair. I’ll beat that ass. ROSS Oh, you gonna beat that ass? You mean eat that ass. JUANITA Mm-hm. ROSS Maybe. BRANDON Can anybody guess what this number represents? The largest portfolio in receivables history. And as of last night, it belongs to us. BRANDON So what does that mean? Well, for starters... BRANDON each and every collector in this room has the potential to clear seven figures this quarter. BRANDON Think... BRANDON about that for a moment. Think back to when... BRANDON most of you were just getting out of incarceration. BRANDON Turned down for job after job. BRANDON Competing with society... BRANDON for opportunities they were never going to give you. For... BRANDON less than minimum fucking wage, by the way. BRANDON Look how far each and every one of you have come working at this company. BRANDON Now, the bad news is... BRANDON even pennies on the dollar I had to beg, borrow and steal just to finance this package. So I drained the operating account and the reserves, meaning no guaranteed salaries. If anybody has an issue with that... BRANDON there's the fucking door. BRANDON Let's get down to it then. BRANDON The portfolio is divided into tiers. BRANDON Each represents a cluster of accounts. The bottom of the pyramid consists of the low hanging fruit, primarily medical debt still within a... BRANDON seven year credit reporting window. BRANDON Easy to collect, but obviously lower in value. The row above... BRANDON that gets more difficult. Statute credit card deficiencies. BRANDON And above that is zombie debts 10 years or older, and so on and so on and so on and so on. BRANDON You get the picture, right? BRANDON Each collector... BRANDON keeps 10 points on money received. BRANDON What you'll notice... BRANDON is the number of boxes at the bottom correlates... BRANDON directly to the amount of people in this room. BRANDON What you also notice... BRANDON is the second column from the bottom... BRANDON consists of one less box. BRANDON Can anybody... BRANDON explain to me the reason why? SEAN Lowest total in the first round... SEAN doesn't make the cut for the second. BRANDON Exactly. Darwinism. SEAN So what happens to the last man standing? SEAN Person. Sorry. BRANDON He or... BRANDON she will have the privilege... BRANDON of competing with Ross for the top of the pyramid. BRANDON A mid-seven... BRANDON figure account. BRANDON Winner of that splits 50/50... BRANDON with me on the take. Any questions? COLLECTOR When do we start? ROSS 30 fucking minutes ago. ROSS You're over here, rook. No, no, no, no, no, no. Cupcake, you don't get a chair. ROSS You're over here. Right here in the corner. SEAN You gotta be kidding. ROSS Nope. ROSS Alright. Don't fuck up. SEAN Um... Thanks. Okay, Regina Becker, what you got? GINA Hello? SEAN Yeah, hi. Can I please speak with Regina Becker, please? REGINA Who is this? SEAN This is Se Steve from Amg Receivables. SEAN I'm calling about a $1,892 debt you owe to Rountree Dermatology. REGINA No, I had... REGINA insurance and I gave them my information. SEAN Uh, well, they said it wasn't covered. REGINA I'm not paying them a dime. REGINA They almost burned my toe off when they tried to freeze that wart. SEAN Albert, I really don't want to see this on your credit report. So what... SEAN if I can get the hospital to cut the bill in half, okay? DEBTOR 1 I have no money. I cannot pay. SEAN So, uh, But that's not my that's not my problem. I mean, uh DEBTOR 1 You listen to me, you blood sucking leech. SEAN Okay. I’m- I’m listening. DEBTOR 1 My mother has been in the hospital for six months. She's got chronic gout. DEBTOR 1 I got three kids to feed. Are you even listening to me? REGINA No, you look. This is a work number. Don't call here again. I know my rights. SEAN It's not about rights, baby. DEBTOR 2 I still got to pay rent this month. It’s just not possible right now. SEAN I’ll take a card over the phone. ALBERTA I'm sorry, I got no job right now. I just can't do it. SEAN I need a commitment from you on this bill, sir. ALBERTA I'm a female. You just called me sir, ma‘am. SEAN Or... SEAN I'm gonna have to mark your file as a refusal to pay. ALBERTA I don't give a damn what you do. Just don't call here anymore. CHRISTINA Hey! CHRISTINA Wait, wait, wait! Hey, wait... CHRISTINA wait! CHRISTINA Shit! Tu madre! Pendejo! Fucking shit. CHRISTINA Fuck! CHRISTINA I'm only 10 days behind and I spoke to somebody over there last week telling them that I'd be a little late. I made arrangements to pay and you still take my car? No, I understand that. It's not the first time, but look, I am trying. I'm doing my best. I just need my car back. Okay? Hello? Fuck. Come on. BRANDON Hey. ROSS Alright, so halfway through round one, you got Juanita in first. Jerrold second. ROSS Mixed bag for the rest. BRANDON What about the kid? ROSS I don't know, man. Kid seems broken. BRANDON Well, put Humpty Dumpty back together, okay? ROSS Since when do you give it donkey’s twat? BRANDON Just do me to this solid. Trust me, the kid’s got potential. ROSS Fine. Hold on. Are you at Daddy's Angels at one of the freaking afternoon? BRANDON Goodbye, Ross. ROSS Wow BRANDON Excuse me. BRANDON Is Svetlana working today? KENYATTA Haven't seen her. EDGAR Ooh, Mamacita. CHRISTINA Where the hell have you been, Edgar? EDGAR Mexico City... EDGAR for a while. Trump and all. CHRISTINA So you can’t... CHRISTINA call? Shoot me a text? EDGAR I had... EDGAR to ditch both burners. CHRISTINA Do you have any idea of what we've been through? EDGAR Judging from the looks of you, I’d say you've been having muchas fiestas. CHRISTINA This is funny to you? EDGAR Just relax. CHRISTINA What is this? EDGAR It’ll all I got. CHRISTINA Where's the rest of it? EDGAR Call it a finder's fee. CHRISTINA Wow. CHRISTINA When Mario finds out... CHRISTINA about this he’s GIO Let go of my mom! EDGAR He’s stuck in a cell for the rest of his miserable life. EDGAR Hey, think about that, huh? Fuck that. New leadership now. Consider yourself lucky I even came back to give you anything, you ungrateful puta. EDGAR You really want more money, huh? EDGAR Maybe you and me can work out another arrangement, huh? EDGAR Yeah. BRANDON Baby. Baby, please. RAVA I’m out of Xanax. You were supposed to get me a refill. BRANDON You need help. RAVA You wanna help me? RAVA Get me my fucking meds. BRANDON Baby, you're sick. You haven’t left the house in months. Please. BRANDON I need my wife. BRANDON Come on. When was the last time that we went on a date night. Huh? RAVA Is that what this is about, Bran? Hm? You wanna get laid? No, honey. RAVA You wanna get fucking laid? BRANDON Stop. RAVA Huh? BRANDON Come on. Stop! RAVA You wanna fuck? You wanna fuck? BRANDON Stop it! RAVA Let’s fuck! Huh? Is that what you want? You wanna... RAVA fuck me, Brandon?! Is that what you fucking... RAVA want? Huh, Bran? RAVA Is that what you fucking want? You wanna have another fucking... RAVA baby? Is that what you fucking want? RAVA You wanna make another baby? RAVA Huh?! So you can murder him too?! RAVA Is that what you want?! Do you?! ROSS Wake the fuck... ROSS up! ROSS I've listened to most of the tapes. And you're well on your way to being the first man out. I don't know what the hell Brandon sees in you, but he's my boy. ROSS Hmph. Oh, yeah. Regina Becker. First little cunt that exposed you. One shot deal here, cupcake. ROSS Regina Becker. REGINA Yes, who’s this? ROSS Tom Ross with Amg Receivables. Did I catch you at a bad time? REGINA A bad time? It’s 7:30 on a Saturday morning. REGINA Plus, I already disputed this debt. And I told you to stop calling me. I know my rights. ROSS You... ROSS actually asked us to stop calling you at work. You never mentioned your cell phone. REGINA I want you to stop calling me in general. All phones. Just stop. Okay? ROSS Okay. Absolutely. ROSS But I'm just going over your credit report here. And I see that you just applied for a refi on your first mortgage. ROSS Is that correct? REGINA Yes, my application is still pending. Why? ROSS Well, right now your credit score... ROSS is 650, which is marginal. But if you force me to report this debt to Experian... ROSS that's going to drop you down to 520. REGINA Wait a second. ROSS Yeah. ROSS It's highly doubtful that a lender is gonna approve a refi on a credit score that low. ROSS In fact, what's likely to happen is that after your denial, you're going to... ROSS lose your house. ROSS And then your Visa card rates will triple if they don't cancel them all together. ROSS All because you were too stubborn to live up to a medical obligation. REGINA Insurance was supposed to cover it. ROSS And-and that may be the case, Miss... ROSS Becker, but that's between you and Anthem Blue Cross. ROSS If you would like to stay in your home for the foreseeable future, how about you just give me a debit card number right now. And we can make this all go away. ROSS You do your homework before you pick up the phone. Okay? Pull their credit reports, scour their social media feed. You learn as much about the deadbeat as you can, so you can expose their Achilles heel. That's when you hit them. ROSS You threaten to take away the one thing that matters to them, you close... ROSS every time. SEAN Thanks. ROSS And just so we're clear, if you tell anyone that I did this for you, I will rip your heart out of your fucking chest and wipe your vagina with it. Okay? GARRETT Buckle up, fellas. We're about to get a serious contact high... GARRETT from all the coke and booze seeping out of his pores. GARRETT How's my son doing at your little house of extortion? BRANDON Well, why don't you call him and you can find out. GARRETT I’m afraid that ship has sailed. GARRETT Don't judge me, Mr. Debt Collector. GARRETT One day if and when you become a father... GARRETT maybe you will understand why I did what I did. How absolutely sick he made me and my wife. The pain he caused our family. BRANDON You know, you and I, we have more in common than you think. You see, we both used to be dads. Difference is, is that you gave up that right with one fell swoop of your signature on a fucking checkbook. See, my fatherhood was ripped from my soul. You don't know the meaning of pain. You disgust me. Make sure you don't... BRANDON ever fucking talk to me ever again. BRANDON What the fuck are you two looking at? RAVA Turn around. GIO Come on. BRANDON Hey. GIO You snore like a hog. BRANDON What are you playing? GIO Cuphead. The hardest game ever. You want to play? BRANDON Yeah. Sure. GIO No! Over... GIO there! Wait, watch out. No, go... GIO over there. BRANDON You go. BRANDON Uh... BRANDON last night, um... CHRISTINA Yeah. CHRISTINA I was afraid to put you in an Uber. You could barely babble your address. BRANDON I can't remember anything to be honest. I just hope I wasn't saying anything too dumb. CHRISTINA I'm really sorry to hear about your son. BRANDON Yeah. I, uh... I haven't I haven't, uh, talked about Sammy in a very long time to anyone. BRANDON That kid was my best friend. BRANDON You know? CHRISTINA Yeah, I know. GIO What? GIO Can we get dessert? CHRISTINA He always wants dessert. BRANDON We can get dessert. CHRISTINA You don't have to. BRANDON No, that's fine. BRANDON Hi. Can I get the dessert menu? WAITRESS Mm-hm. BRANDON Thank you. BRANDON Can I give you this? Thank you... BRANDON so much. CHRISTINA Look, buddy. GIO Yes! RONALD Hello? SEAN Hello, Mr. Heller. This is attorney Les Marcus of Howe and Landau, prelitigation department. SEAN I'm calling about your, uh, delinquent Capital One credit card account. RONALD Capital One? I ain’t used that card in years. SEAN Well, that may be true, but it appears you left a significant balance when you canceled the card, which with interest has now accumulated to $15,475.89. RONALD What? You're out of your mind. That's impossible. SEAN Afraid it’s not, Mr. Heller. And unfortunately, Capital One has instructed me to initiate a lawsuit against you. SEAN Unless you can take care of the balance today. RONALD I can't afford that kind of money. So go ahead and sue me. SEAN Okay, that's fine. We'll send a, uh, process server down to your diner... SEAN at approximately 4 p.m. RONALD No. No... RONALD wait, wait, wait. Don't come to my place of work. I- I will get fired and I need this job, man. SEAN I suggest you do something to take care of your obligation, sir. If not, we'll be forced... SEAN to, uh, serve you personally at your work. We'll also, uh, get a judgment against you and garnish your wages. SEAN Highly doubtful that your boss will be, uh, very appreciative... SEAN of having to deal with the sheriff on that situation. RONALD Please, man. I just can't afford to pay that much. SEAN I'll check in with the client. See if they can take a slight reduction on the balance. Get you on a payment plan. Sound good? RONALD Okay, sure. Yeah, w-whatever. SEAN Closed. Thank you. SOUNDTRACK Cash money, baby. SEAN Sorry, but I don't think I can go that low unless you give it to us in a lump sum. Well, I get it, but that's just not my problem. SEAN You're gonna have to do better than that, Mrs. Forrester. I really don't want to intercept that tax refund you were expecting. SEAN Uh-huh. Yeah, that's all I need. Have you thought about taking... SEAN out a payday loan to cover this debt? SEAN Sure you can. Hey, I'll tell you... SEAN what. I'll leave you the offer open for 24 hours. How’s that sound? SEAN Mr. Humphrey. Yeah. SEAN We've got you at, uh, $1,647. SEAN That’s not gonna cut it. SEAN Okay. Great. SEAN Yes, sir, that’s a deal. I’m... SEAN gonna transfer you over to Juanita. She can take down your credit card... SEAN info Asap, all right? Thank you. ROSS Everybody, listen up. ROSS Next round, complete. ROSS Daniel, get the fuck out. ROSS Yo, Brandon. The fuck are you, bro? Answer my calls! ROSS Fuck! ROSS’S MOTHER Shh. BRANDON Here you boys, go. The apex of the pyramid. SEAN What do we know about it? BRANDON High profile... BRANDON mortgage debt. Virtual uncollectible. BRANDON We're gonna have to be real creative on this one. ROSS You don't seem too concerned. BRANDON At the end of the day, we 10xed our money. We all make personal profit. And... BRANDON we got cushion for the next run, right? ROSS I think they forgot the vodka. ROSS We've been partners for, what, 16 years now? Best friends for longer, right? BRANDON Yeah. ROSS So, is there anything you need to tell me? BRANDON What do you have in mind, Ross? ROSS Oh, I don't know. Like, do you have a giant fucking brain tumor, or an organ eating amoeba or some kind of shit that I need to know about? Because you haven't been in the office for weeks. You're not returning phone calls. You're not returning texts. ROSS The timing of it really sucks a dick considering everything that's at stake here. Now if Sean wasn't out there slaying it for us, who... ROSS by the way, I taught to do this as a favor for you while you're jerking off in some titty bar. But that's besides the point. If Sean hadn't been out there slaying it for us, we would have lost our investment in this portfolio. BRANDON Right. BRANDON If you stop worrying about my personal life and start worrying about the hot shot... BRANDON then... ROSS Are you fucking kidding me? GARRETT What are you doing here? SEAN Business meeting. GARRETT I see. GARRETT Rough night? SEAN It’s none of your business. GARRETT You didn't deposit the check. GARRETT Why? SEAN You know, maybe part of me thought that there was a chance of a reconciliation. Who knows? Who cares? It's all history. GARRETT Your mother. GARRETT She’s spiraling downward. You should get in touch with her. GARRETT She's your family, Sean. SEAN No, Amg Receivables is my family. It's my life. I found my calling so... SEAN give her my best. ROSS Fucking fuck! ROSS Oh, shit. ROSS Ah, shit. Fuck. SEAN Fuck. ROSS Don't just fucking stand there, man. Get your ass in here. ROSS Oh, bless you, child. Take a seat there and watch out for Walter. ROSS Fuck me. SEAN You know, seeing you go to town on that half naked in your robe really, uh, gives me the feels. ROSS Yeah, well, go fuck yourself. ROSS ROSS San Quentin doc diagnosed me with an enlarged left ventricle years ago. I just gotta get it under control. My heart’s too big. SEAN How long did you serve? ROSS Five. SEAN Shit. ROSS Yeah. Felony battery. ROSS Tossed the starting linebacker in high school through a glass door. ROSS And his daddy was a high powered attorney. Go figure. Made sure I did real time despite the plea. He had just knocked the shit out of Brandon. I was stepping in. All ‘cause this shitbag wouldn't pony up on his losses from a football wager. SEAN Lucky Brandon. SEAN That makes sense given the current profession. ROSS Before his glamorous existence, Brandon Kaz was dirt poor. Sophomore year in high school, his family immigrates from Russia, leave all their money behind. He moves into the- the duplex next door and I'm thinking, oh, great. Another fucking Beatle-Eater in the... ROSS slums, right? ROSS But he was different. ROSS I took him under my wing. Actually it turned out to be the opposite. Right out of the gate, he comes up with this idea to start taking bets in high school. You know, he crunches, I collect. It was a perfect pairing. Worked out well for years too. Till that night. SEAN Then you got out and the rest is history? ROSS And now here you sit... ROSS looking to extort money out of a drug cartel lieutenant. SEAN From his wife. ROSS So why me? SEAN I need help. And from where I'm sitting it looks like you do too. ROSS 50/50? ROSS All right, let's hear it. BRANDON I'll come pick you up after work. CHRISTINA At three in the morning? BRANDON Yeah, I’ll still be up. CHRISTINA Okay. I gotta go. Someone's at my door. ROSS Hi, Miss Salinas. Agent Friedlander with INS. You mind if I step inside? CHRISTINA I did not give you permission to enter this house. My husband... CHRISTINA is on his way home. ROSS I guess we'll be... ROSS waiting for a while. How long is his sentence again? ROSS 64545 Homewood Circle. 10,750 square feet. Eight bedrooms... ROSS indoor pool, racquetball court, seven car garage. It’s a hell of a property if I do say so myself. ROSS Talk about life coming at you like a freight train, huh? CHRISTINA Yes, I once lived a glamorous existence. And now my husband is locked up, our house is foreclosed upon and we lost everything. The American Dream. CHRISTINA Are you here to rub salt on the wound? Or does your visit serve a purpose? ROSS I don't know if you recall, Miss Salinas, but when the DEA arrested Mario, your house was seized as a matter of right. ROSS However, unbeknownst to us, your husband had previously refinanced a second mortgage freeing up almost $5 million in cash, which has seemingly disappeared. ROSS Now in order for us to take possession of that property, we had to pay off the lien on the second in order to get free and clear title. CHRISTINA I'm not following. ROSS Essentially you owe us a very large debt. I'm here to collect it. CHRISTINA I don't know if you noticed, but I'm not exactly swimming in cash right now. ROSS Are you a Us citizen, Miss Salinas? ROSS Neither is your son, right? CHRISTINA I do not wish to speak with you... CHRISTINA or answer your questions. I am exercising my constitutional right under... CHRISTINA the Fifth Amendment of the United States. ROSS Okay, look. You may give off the appearance of being... ROSS destitute, Miss Salinas, but... ROSS I happen to know for a fact... ROSS that your husband transferred a very large sum of money to an account in Mexico City right before he went inside. ROSS Now, if the US government's not in possession of the full four and a half million dollars within the... ROSS next seven days, I've been instructed to come back here with half a dozen ICE agents and throw your ass in jail... ROSS and deport your son to Nicaragua. CHRISTINA No, don't... CHRISTINA you dare take my son! ROSS I’m sorry, Miss Salinas, I have my marching orders. And you have a week to come up with four and a half million dollars. CHRISTINA No, wait. CHRISTINA No, please. I don't know anything about this money. ROSS Well, then I suggest you... ROSS familiarize yourself with your husband's business affairs. Okay? ROSS SEAN Well? ROSS We’re in play. SEAN What's next? ROSS Now we wait. CHRISTINA You lied to me. MARIO Oh, come on. Don't start this shit again. CHRISTINA I’m not talking about that... CHRISTINA Mario. CHRISTINA I’m talking about all the debt. CHRISTINA The lines of credit you took out on... CHRISTINA our homes, the back taxes you owe the... CHRISTINA IRS. MARIO That’s on me. You don't have to worry. CHRISTINA No... CHRISTINA that's on us. Specifically on Gio, your seed. CHRISTINA And they want it all back. MARIO Who? CHRISTINA The Us government. The Irs. The Ins. Who knows? CHRISTINA All I can say is that they paid me a visit... CHRISTINA and if I don't deliver it, Ice is gonna come knocking down on my door and take our son away. CHRISTINA You know what's been happening at the border? Children... CHRISTINA getting separated from their families. They're getting sick. They're dying. That could happen to Gio. MARIO No. No. MARIO How much? CHRISTINA 4.5 million. CHRISTINA They know about the accounts, Mario. CHRISTINA The money you hid from them, from us. Hey, we were supposed to be a team. CHRISTINA We're supposed to be partners. MARIO It was an insurance policy to... MARIO keep you safe until I got out. MARIO Edgar was supposed... MARIO to handle it. CHRISTINA Until you got out? You're serving two consecutive life sentences! CHRISTINA You saw how we've been living, What... CHRISTINA I've been doing to myself to keep this family above water. MARIO I’m sorry, baby. I’m sorry. CHRISTINA You have to make it up to me. Cash out that policy. Please. SEAN Wake up. Ross. BRANDON You know, it's not every day that your girlfriend stands you up. ROSS Oh, fuck that! SEAN No, no, no, no, no, no, no, no, no. Wait. ROSS Get off me! CHRISTINA Look, it's not a good time. CHRISTINA Okay? Can we talk about this later? BRANDON Not a good time. BRANDON I was up all night waiting for you. Like no drugs all night. You could at least text me. CHRISTINA I said I was sorry. Brandon, I need you to leave. BRANDON What are you not saying? CHRISTINA Brandon... CHRISTINA leave, please. BRANDON You know, if you're in trouble CHRISTINA No! BRANDON I can help you. CHRISTINA Don't touch me. CHRISTINA It's a family issue. Okay? You're not my... CHRISTINA husband. I'm not your responsibility. BRANDON Fuck. ROSS Jesus Christ. He’s been playing us. SEAN It doesn't make sense. ROSS I told you. He's off. ROSS I’m not gonna let him dick us over. ROSS Okay. ROSS Agent Friedlander. CHRISTINA Enjoying the view? ROSS How can I help you, Miss Salinas? CHRISTINA You'll have your money by 4:30 tomorrow. Until then, give... CHRISTINA us one night of peace. Okay? ROSS Well, let’s hope it’s all there. ROSS For your son's sake. SEAN What about Brandon? ROSS Fuck him. ROSS He’s my problem. BRANDON Hey, Buddy. Is that you? GIO Yeah. Can’t really talk right now. BRANDON Are you guys okay? BRANDON I’m worried about your mom. GIO Not sure. GIO She’s been freaking out about my Papi. BRANDON What about him? GIO Something about we owe... GIO someone a lot of money. BRANDON Your dad. CHRISTINA Gio, we gotta go. BRANDON What’s his name? CHRISTINA Gio... CHRISTINA baby. Let’s go. ROSS Nice of you to finally show up for... ROSS work. What was the play, huh? BRANDON I'm not following. ROSS Once you collected, what bullshit were you going to spew to... ROSS hide that money from us? ROSS Kind of funny that the mark just happens to be your girlfriend. BRANDON You know, I think you need to back down on this... BRANDON one. ROSS Oh, I'm not going to back down on shit. BRANDON Brother, it's not about the money, okay? Not on this. ROSS No... ROSS bullshit. It’s about the money. It’s always about the fucking money. ROSS That was our deal from the get go back when we started taking bets... ROSS and muscling Neebs from their Daddy’s allowance. ROSS I sacrificed five years of hard time for you, Brandon. ROSS Five fucking years and... ROSS this is how you pay me back? You go and get pussy whipped. Bro, your head is so far up her fucking vagina, I can't even pull you out with a rope. ROSS And you're out of your damn mind if you... ROSS think for five seconds that her kid’s gonna replace... ROSS Sammy. BRANDON Shut the fuck up. BRANDON Ross, I’m sorry. BRANDON Fucking stop! ROSS Brandon... Brandon, help. BRANDON Okay. Okay. ROSS BRANDON Fuck. CHRISTINA “Outside. Leave the money and walk... CHRISTINA away.” CHRISTINA Oh my god. BRANDON Come on. Come on. CHRISTINA Gio. Gio. Come here. Come on. GIO No! I don't want to go! CHRISTINA Baby. Listen. Listen. Listen to me. Come on. Come on. GIO No! No. CHRISTINA Come on! Go, go, baby. Go, go, baby. Go, go. CHRISTINA It’s okay, baby. CHRISTINA It’s okay, honey. It’s okay. BRANDON Come on, pick up. Come on, pick up. Pick up. Pick up. Pick up. CHRISTINA Listen to my voice, baby. REALTOR 20,800 square feet. Fully connected to a high speed T-1 line. REALTOR Capacity for over one hundred workstations. A real find in the space. CLIENT What was this before again? REALTOR Something in finance, I believe. REALTOR Quite the baller executive... REALTOR suite, am I right? CLIENT What are they asking? REALTOR Uh, 16,500. CLIENT Didn't someone die in here? REALTOR Never heard that. REALTOR I'm sure they can work with us on the rent, by the way.