Ruddy McCann, former college football star, has experienced a seismic drop in popularity; he is now a full-time repo man in Kalkaska, Michigan and part-time bouncer at his sister's bar. His best friend is his low-energy Basset hound Jake, with whom he shares a simple life of stealing cars. Simple, that is, until Ruddy starts hearing a voice in his head. The voice introduces himself as Alan Lottner, a dead real estate agent. Ruddy isn't sure if Alan is real, or if he's losing his mind. To complicate matters, it turns out that Katie, the girl Ruddy has fallen for, is Katie Lottner--Alan's daughter. When Alan demands Ruddy find his murderers, Ruddy decides a voice in your head seeking vengeance is best ignored. He figures his efforts would be better spent helping his sister keep the bar afloat and wrapping up a particularly trying repo job. But it's hard to avoid the voice in his head, and soon Ruddy is trying to not only figure out what happened to Alan, but avoid the same fate for himself.