Gathering her courage and the four thousand dollars she has in savings, college co-ed Cassie bravely enters the bar where Hagen, Houston's most feared loan shark, operates his criminal empire. Her brother is in deep trouble and she's his last hope. She just prays her payment will be enough to keep the knee-breakers at bay for a little while longer.

Hagen shatters her hope when he informs her the debt owed is far, far more than the four grand she's scraped together. Feeling rather generous, Hagen makes Cassie an offer she can't refuse: her body to settle the debt.

Though she expects a degrading, miserable experience, Cassie is shocked by Hagen's sensual seduction. Left breathless with pleasure after their encounter, Cassie discovers she can't walk away from Hagen. But she's flirting with danger now—and someone is bound to get hurt.