Pio Morgan is waiting outside a pub on a cold winter's night. There is a debt he must pay and no options left. What he does next drags a group of strangers into a web of confusion that over the course of a few days changes all their lives. There's the young Maori widow just trying to raise her children, the corporate executive hiding his mistake, the gang of criminals that will do whatever it takes to recover what they've lost and the outsider sent to town to try and figure out who did what. Time is running out for all of them as events take an increasingly sinister turn.