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Scott Roper is considered by many to be a lucky man, and one of the best hostage negotiators in the city of San Francisco. He is a lucky man because he has a good job and he has a girlfriend named Ronnie who loves him. But Scott's life changes when is called to negotiate the release of hostages being held at a bank. When Scott shoots the robber during the negotiation, the police chief decides to partner Scott up with a sharpshooter. Later than evening, Scott is helping his friend Sam ask around about a jewel thief when Sam is stabbed to death by the thief. Scott catches the killer, a man named Korda, and has Korda put behind bars.

Korda is furious with Scott and puts out a contract on Ronnie's head as a form of revenge. Scott finds out and tries to warn Korda away from Ronnie, but it does no good. Korda eventually escapes from prison and sets out to settle the score with Scott on his own. Scott soon realizes that his skills as a negotiator won't do him any good in this situation and that he will need all of his skill to protect Ronnie and stop Korda.