It's the year 2000 and Paul Livingson is in his first office job in Bristol.With student debts hanging over him, Paul still wants to live the life we all want: holidays in Europe, booze-fuelled nights of excess,designer clothes and shoes. But how to do it all? Easy! More credit!Spending gets even easier when Paul meets Kelly, an inspiring, freespirited singer in a band with whom he falls in love.
But the daily grind in a dead-end job and spiralling debts begin to take a toll on Paul's life and relationship. Almost invisibly falling into inescapable debt, Paul looks for a way out, and starts to question his values and philosophy of life even as he loses hope and sees his life
with Kelly begin to crumble. The only way out? Doing the unthinkable. Declare himself bankrupt.