With consumer debt nearing two trillion dollars and seventy million Americans struggling to pay their bills each month, attorney Matt Coleman finds fertile ground for his new Consumer Relief Centers of Texas. As thousands flock into his offices to file bankruptcy, Matt's success begins to take its toll on Houston's MidSouth Bank run by a very powerful and ruthless banker, Franklin P. Hill. At first Hill is content to play some dirty tricks on Matt in an effort to discredit him. But when that doesn't work, Matt is warned one last time to back off his vicious attacks on the lucrative credit card industry or suffer dearly. A timely novel of love, greed, and America's addiction to plastic.