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An in debt photographer gets the opportunity of his life on Christmas Eve, which also triggers an ultimatum between advancing his career and the survival of his marriage. With a deadline to make a decision by Christmas Day, he teams up with his ex-felon cousin to fulfill a last-minute Christmas list. A simple trip for gifts turns into a scheme of collecting six figures stashed at an alleged vacant home. When they discover the home is inhabited by a Christmas obsessed family composed of a Caucasian family with two bizarre black kids, a black-culture intrigued wife, and a mute wheelchair-bound granny who leaves notes crying for help.