Former lawyer turned failed entrepreneur Frank Hopper (Bon Jovi) is living on the good graces of his sister (Dunn). While out one day with his best friend Carl (Faustino), he fills out a survey claiming an income of one million dollars and is soon flooded with over 200 credit cards.

sing his newly-acquired plastic, Hopper funds a crazy scheme to launch the first all-woman ice hockey league (the Almighty Swans and Fearsome Foxes) and hiring a bevy of beauties. After racking up $300,000 in credit debt in a very short period of time, Frank's dream collapses when the credit card companies catch on to what's happening and take him to court.

With the help of an old flame (Warren), Frank defends himself in the hopes of triumphing over the corporate machine.