Jack Carter (SYLVESTER STALLONE) is a sullen, but well-dressed Vegas debt collector who's known for his physical means of getting the job done. When he learns that his brother, Ritchie, was killed in a drunk driving accident, Jack returns home to Seattle where he tries to make amends with his brother's wife, Gloria (MIRANDA RICHARDSON), and her teenage daughter, Doreen (RACHAEL LEIGH COOK), while questioning everyone about his brother's death.
Eventually realizing that his brother was probably murdered, Jack starts snooping around, while his partner back in Vegas (JOHN C. McGINLEY) covers for him. His first stop is with Cliff Brumby (MICHAEL CAINE), the owner of the club that Ritchie managed. Brumby doesn't believe Jack's allegations of murder, but does tell him that Ritchie was having an affair with Geraldine (RHONA MITRA), a local barfly and associate of mobster and part-time porn producer, Cyrus Paice (MICKEY ROURKE).
Jack and Cyrus know each other from way back, and while he can't get anything from him, Paice unknowingly leads Jack to Jeremy Kinnear (ALAN CUMMING), a computer multimillionaire who uses Paice's services for female accompaniment, as well as Eddie (JOHNNY STRONG), one of the club's unsavory employees. Although he can't get any straight answers from any of the suspects, Jack continues to pursue the truth, carefully examining the surveillance tapes from Brumby's club, looking for anything that might offer any sort of clue.
As he continues his quest to find and punish those responsible for killing his brother, and tries to deal with his strained relationship with his brother's family as well as with Audrey (GRETCHEN MOL), his lover back in Vegas who wants to break up with him since she is his boss' girlfriend or wife, Jack begins to realize that maybe this isn't the life for him.