Daryl Chase (ORLANDO JONES) is a New York investment banker with a good boss, Charles Allsworth (EDWARD HERRMANN), and beautiful lingerie model girlfriend, Chloe (GARCELLE BEAUVAIS). All of that changes when he notices some irregularities in an account involving a Mexican businessman by the name of Chela (SHAWN ELLIOT). Suddenly, an attempt is made on Daryl's life and he finds himself under the protection of CIA agent T.J. McCready (GARY GRUBBS) and his partner, Martinez (BENNY NIEVES).
They inform him of several things. For starters, Chela is really the head of the Gutierrez drug cartel that's involved in money laundering. They also tell him that he should avoid two men, agents Gradney (STERLING MACER) and Norville (DANIEL ROEBUCK), who are trailing him, and definitely stay away from Freddy Tiffany (EDDIE GRIFFIN), a seemingly crazy con man who always seems to show up wherever Daryl might be.
When Daryl goes to see his personal assistant, he finds her murdered and then in the middle of a brief gun battle that leaves one thug and two cops dead. Spotted by neighbors who believe him to be the killer, Daryl boards a train headed for Mexico, but only after switching identities with Freddy to avoid being noticed by everyone.
The two clash on their way down south, with Daryl not being sure of Freddy's claim of being a former FBI agent and repeatedly trying to get rid of him. Arriving at the border by himself, Daryl is shocked to discover that Freddy is even more of a fugitive than he is, being wanted for the murder of a Mexican Governor.
As Daryl tries to sort all of this out and clear his name, he must deal with Captain Garcia (CARLOS CARRASCO), a corrupt Mexican cop; Junior Barnes (BRENT BRISCOE), an emu farmer intent on collecting a reward for capturing Daryl; Maque Sanchez (ANDREA NAVEDO), a woman who claims to be Daryl's wife; and, of course, Freddy who repeatedly finds the perplexed banker whose life has been turned completely upside down.