Terry and his wife Sondra (Sonia Braga) struggle to keep the business running to make ends meet. An accident on a dark, rainy night, between an off duty officer (Max Martini) and a distraught laywer (Emily Mortimer) puts in motion a series of events that will change Terry's life dramatically introducing him to a world of promoters (Ricky Jay, Joe Mantegna) and movie star Chet Frank (Tim Allen). In order to pay off his debts and regain his honor, Terry must step into the ring for the first time in his life.