A saccharine-sweet car salesman in a small Minnesota town is heavily in debt, but he has a plan: he'll go to Fargo, ND, and hire two thugs to kidnap his wife, in a scheme to collect a hefty ransom from his wealthy father-in-law. However, the plan goes awry, and the local Police Chief - coffe-drinking, parka-wearing, and extremely pregnant - will stop at nothing to get her man.