Mom and Dad had started a new business several years ago. Unfortunately, the business struggles due to 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. 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. 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 Dad's main asset at this point is his sexy wife