Johnny Stewart (Damon Wayan) is small time scam artist who seems to stay one step ahead of the cops and two months behind on his rent. When he lays eyes on beautiful credit card executive Amber Evans (Stacey Dash), he lies his way into a job in the company mailroom to get closer to her. Unfortunately, the mail room pays less than he is accustomed to, and when he gets involved in a credit card scam with the company's head of security, he gets in more trouble than he bargains for. This action/comedy/romance was also written by Wayans.