Kitty has all but forgotten the auto loan she took out five years ago. The lender however, has not and sends a debt collector to visit Kitty. Kennedy Kollections comprises a formerly encountered private detective, now reduced by economic hardship to debt collection. Clearly Kitty does not have any possibility of repaying the loan, nor does she have any recoverable assets of value, and as Kennedy watches his collection fee disappear, the likelihood that Kitty is gong to end up spanked, becomes a certainty!