After almost drowning in a swollen creek, Wes wonders if what his friend Zach says is true: Wes owes a life debt to the old lady who rescued him. It doesn't help that Wes keeps hearing his dead father's voice saying things like, "A man pays his debts, Wes," and "A man always treats a woman with respect, Wes." But how does a guy go about paying back a life debt anyway? And what if it involves a transmission tower, an ice-cream truck and a few sticks of dynamite?