Nine years after a messed up theft in Ludendorff, North Yankton, that left two of his accessories dead and constrained a third into concealing, previous bank thief Michael Townley is existing under witness insurance with his family in Los Santos, San Andreas, under the moniker Michael De Santa. Franklin Clinton, who acts as a repo man for an auto dealership close by his closest companion Lamar Davis, is asked to recover an auto from Michael's twenty-year-old child Jimmy, who is past due on his credit installment. Accurately concluding that his child is going to turn into a casualty of credit extortion, Michael faces Franklin and requests him to crash the auto through the dealership.

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