step-Mom and step-Dad had started a new business several years ago. Unfortunately, the business struggles due to step-Dad's mismanagement and they needed to borrow money to keep things going. Given their current financial situation they cannot borrow the money needed via normal channels. As such they turn to a "private firm" which was recommended by a friend. As the business venture continues to struggle they find themselves in more financial trouble. The firm they are dealing with is not very open to loan workouts. step-Mom (Erica) is already well aware of the situation and has spent many sleepless nights trying to figure out how to get out of their situation. step-Dad is away on business trying to find a way to raise the money. A representative of the “financial firm” pays Erica a visit to tell her he has a way to solve their problem. Given the nature of their business the firm has already evaluated Erica and her husbands assets. Unfortunately for step-Dad's main asset at this point is his sexy wife