Collection

Despite its structural problems, this is a solid little thriller which carries more weight because of its focus on characters who have limited power and a lot to lose.

An unconvincing formulaic melodrama about the business of buying and selling debt by a seedy collection agency.

Moviegoers will be owed a debt after watching this ill-conceived thriller that lacks conviction in trying to generate sympathy for its unscrupulous financial predators.

The film is like "bad paper": it has a high risk of default.

Todd M. Friedman's screenplay doesn't care about the country's debt crisis any more than it cares about crafting a believable drama or thriller.

Palka gets the endeavor going with engrossing displays of mental illness, but crude editing eventually kills whatever vision she originally had for the material.