Andrew is a 30 year old stock trader who lost all his time after the stock market went belly up. All those high valued stocks he had invested decades in became worthless overnight, and with no bail out for the investors who lost everything, he is now living on borrowed time; literally. As a last ditch effort, he borrowed 6 months from a fellow stock trader who managed to diversify her stocks in a big way to make a profit. Alas, he is down to his final hour, and with no way to make it up, it seems he will be repaying the busty red head Bridgette with the only asset he has left; his body.

Kasumi is an 18 year old high school student visiting the US all the way from Japan. Unfortunately for her, her first foray into the Big Apple resulted in a nightmare. Her time card stolen at the airport, someone went on a spending spree with her time. With no hope of getting her time left and only minutes to spare, she turns to her friends Yuri and Hyori. However, her friends are excited at the prospect of the beautiful Kasumi running out of time and at their mercy. All the fun they could have with her as a slave, or even selling her as a top quality Oriental dish in one of the upscale New York restaurants and making years in time. There are so many options, and all of them sound exciting to the girls as their friend's last minutes tick by.

Caleb is a 27 year old gambling addict whose had a very bad streak lately. He owes over 37 years to one of the leading mob lady in Atlantic City, and he's only got a day left to pay them off before what time he has left is automatically deducted from his counter. Unfortunately, all the time he has left is a mere 10 days; and most of the gambling establishments in Atlantic City have a 30 day minimum bet. With his time running out, he has no choice but to partake in a risky poker game held by the mob boss, Svetlana Rouski. He will not be participating in the game itself, but acting as her "chip". In these games, they have many men who act as chips which they use as bets, and if the one using them as a betting chip loses; the chip's time is automatically zeroed and any remaining time gets added onto the winner of the hand. The game continues until only one player has any "chips" left, and at that time, those chips debts are cleared; left to fend for themselves with whatever time they have left. Typically only a few "chips" survive such a game, and even if he were one of the lucky survivors to clear his debt, he'd be left with under 10 days to make more time.

Jessie is a 35 year old father of two who just got cleaned out by his wife in a massive divorce case. Not only did he lose the wife, the kids, and half his time, child support is a whopping 3 months a month. Unfortunately, his child support is due tomorrow and he only has a month left. His wife, Debra, a pretty brunette with modest C cups, has a solution. In exchange for his remaining time, she will let him move back in with her and the kids, not as her husband and their father but as the household slave. His daughters are 12 and 16, and quite spoiled, and his wife of 12 years has a mean streak and an axe to grind with him. If he accepts this arrangement, he'll be in a living hell worse than his marriage. His only other option is to pay his child support with his nutritional value, which would be a horrible death no matter which of the three wind up eating him.