In a fancy nightclub he finds Charles Engle, a guilt-ridden man on the brink of committing suicide after embezzling a large sum of money that he has spent on his high-maintenance wife. Charles has the appearance of a common hillbilly from out of town visiting the city and Bill decides to try for his money. Bill is unaware that the desperate Charles only has until 6 am to pay back the money he has embezzled before the crime is discovered.