Every morning, Martin Pyrite gets dressed, takes breakfast, kisses his wife Julie goodbye, and then sets off for work. Only Martin isn't going anywhere. Having lost his high-paying financial services job, he is sinking fast into near-insurmountable debt. To make matters worse, Martin's former employer has made him the fall guy for a disastrous business decision, essentially blacklisting him from other firms. Determined not to let his wife know, Martin strives to maintain the couple's posh standard of living by stretching their credit to its very limits. Then, late one night, a sinister debt collector knocks on his door with a proposition: help him carry out one task, and he'll wipe Martin's financial slate clean. However, the simplicity of this ominous request belies the chilling journey ahead. Martin quickly finds himself descending into his own private hell, where he must confront his worst fears made real....