The film follows three young men as they are drawn into lives of crime. Nick (Crowley) uses his entry-level corporate job to commit credit card fraud and deals drugs on the side. K-Luv (Mackie) is a member of the "V-Dubs", an African-American street gang. Lincoln (Leung) is a rising figure in the Chinese mafia. Gentrification forces Nick's family to move out of their home in the Mission District into Hunter's Point where they are harassed by the V-Dubs. K-Luv's side business of selling bootleg compact discs leads him to enlist Nick's help to bootleg CDs and to negotiate a truce with Lincoln. Lincoln conducts an affair with his boss' daughter Angela (Carpio), a Stanford student engaged to a medical student classmate.
Boomer is a rookie cop based in the urban hellhole that is downtown Chicago. After his involvement in a drug bust operation which results in the death of Carlos, his mentor and father figure, Boomer becomes disillusioned with the brutal and inhumane nature of his job. Consequently, he decides to hand in his resignation to the Chicago Police Department and return to his home town of Joliet, where his fiancé, Kelly, awaits. While en route back to Joliet, however, Boomer makes a grievous error in judgment when he stops for, and assists, an unfortunate motorist whose vehicle appears to have broken down; the naive ex-cop is swiftly attacked and rendered unconscious. Boomer awakes to find that his car and wallet have been stolen, and that he has become involved in a dangerous game of mistaken identity.
Mickey Gordon is a basketball referee who travels to France to bury his father. Ellen Andrews is an American living in Paris who works for the airline he flies on. They meet and fall in love, but their relationship goes through many difficult patches.