Bill Robinson lives in a poor American neighborhood with his pregnant girlfriend, Tracey. After arguing with his Tracey, Bill leaves for work. He walks to work because he can't afford a car. He arrives at work and trades jabs with Jack, a co-worker whom he does not get along with. Bill is mostly liked by the other workers. Bill's job is to call people to collect debt. He finds his job to be very stressful but does not quit because he has a child on the way.