Debt collector Bruce has unusual collection methods, including torture by rock music. Having a bad day, he comes home to find his wife having sex with another man and is then confronted by triad boss Bill who gives him just three days to collect all outstanding debts. Then caught up in a heist by robbers Lung and Keung, he is kidnapped and forced to dig his own grave... By chance, Pui Lau finds Bruce's haunted mobile phone. They enter into an arrangement: Bruce will help Pui seduce pretty Maggie away from her rich boyfriend Royie if Pui helps Bruce punish Bill, Lung and Keung.

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