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Even though he holds down two "civilian" jobs, rookie cop Kenny Murray (Michael Durrell) can't afford to be laid off. Not only are his debts are mounting astronomically with every passing day, but he must also pour more money into psychiatric treatment for his mentally disturbed wife Ann (Jenny O'Hara). In desperation, Kenny goes to work for a notorious loan shark--and what follows proves calamitous not only for the beleagured young cop, but also for detective lieutenant Kojak (Telly Savalas).