Two movie producers who owe money to the mob set up their aging movie star for an insurance scam to try and save themselves. But they wind up getting more than they ever imagined.
When investigative reporter Irwin "Fletch" Fletcher goes undercover to write a piece on the drug trade at a local beach, he's approached by wealthy businessman Alan Stanwyk, who offers him $50,000 to murder him. With sarcastic wit and a knack for disguises, Fletch sets out to uncover Stanwyk's story.
After Dick Harper loses his job at Globodyne in an Enron-esque collapse, he and his wife, Jane, turn to crime in order to handle the massive debt they now face. Two intelligent people, Dick and Jane actually get pretty good at robbing people and even enjoy it – but they have second thoughts when they're reminded that crime can hurt innocent people. When the couple hears that Globodyne boss Jack McCallister actually swindled the company, they plot revenge.
After escaping from prison, Joe and Terry go on a crime spree, robbing banks through Oregon and California in order to finance their scheme for a new life south of the border. Unfortunately, things get more complicated when they meet Kate, who runs into them with her car. She joins the bandits on their cross-country spree, and eventually she steals something, too: their hearts.