'Chump Change' is an action packed crime drama about a 'colossal loser' named Joe who owes a debt to local crime boss, Mel Malchese. To settle the debt, Joe agrees to work for Malchese, but bumbles the jobs assigned to him, which results in Malchese erasing the debt in his own, violent way, leading to a suspense-filled, climactic ending. In the end, Joe ends up learning an invaluable lesson.