The film kicks off with the dramatic chase of a pimp named Franklin, portrayed by Julius LeFlore, who finds himself fleeing through the dark, chaotic streets of New York City. He is soon overtaken by fierce gangsters Cleon (played by Badja Djola) and Pig (brought to life by Richard Belzer), who mete out violent retribution for his failure to share his profits. In a cruel twist of fate, they toss him out of a high-rise window, where his lifeless body will soon be transported to the morgue. As the chilling events unfold, the opening credits roll, setting a grim tone.
The following day, the scene shifts to the morgue, where one of Franklin's girls, Belinda (the talented Shelley Long), arrives to identify his body. While she's doing so, morgue attendant Chuck Lumley (played by Henry Winkler) watches on, feeling a twinge of embarrassment as Belinda expresses concern for her fallen friend. She remarks on the impact of Franklin's death on his girls, leading to a moment of awkward tension when she suggests Chuck seems familiar. Chuck's unease is palpable, as he fears the detective might misinterpret his presence—what a profound way to set the stage for a comedy rife with misunderstandings!
Later that evening, Chuck learns from his boss (characterized by Floyd Levine) that he is being transferred to the night shift to accommodate the boss's nephew. Being the introverted and subservient type that he is, Chuck accepts the change without protest, though his frustration is clear. At home, his fiancée Charlotte (portrayed by Gina Hecht), who is both neurotic and obsessed with diets, encourages him to be more assertive.
On his inaugural night shift, Chuck is assigned the task of training a new partner—Bill Blazejowski (played by Michael Keaton), an unstoppable chatterbox with a penchant for brainstorming impractical schemes. Bill's charisma shines as he decides to use a hearse as a glamorous alternative for college student Jeffrey (played by Clint Howard)'s prom date transportation.
As Chuck tries to unwind on his night off with Charlotte, the atmosphere is disturbed by raucous country-western music from a neighboring apartment. His awkward attempts to quiet the racket lead him to a fight for his safety with a muscular cowboy, only to be saved by none other than Belinda herself—an encounter that confirms his vague familiarity with her as she had passed him earlier. However, despite this serendipitous meeting, the night ends in frustration as Charlotte leaves, leaving Chuck feeling unfulfilled.
Chuck's life takes another twist when he finds Belinda injured in the elevator, a victim of a client’s aggression. Belinda laments the dangers of her profession, expressing the difficulty of finding a reliable pimp to ensure safety. After assisting her back to her apartment, Chuck accidentally finds himself victimized by a troop of Bluebirds (girl scouts) who mistake him for Belinda’s aggressor. He is overwhelmed and hilariously pummeled by the girls’ cookie boxes, embodying the comedic essence of his character.
As Chuck confides in Bill about Belinda and the dire circumstances around her profession, Bill hatches an unconventional plan for the two of them to act as “Love Brokers” right out of the morgue. Initially hesitant, Chuck's resolve strengthens as Belinda appears at his door, suggesting a breakfast together and unknowingly drawing him deeper into her world. Chuck finds himself completely captivated as he watches her cook in minimal attire, losing track of his phone call with Charlotte—this moment nets a blend of simplicity and humor indicative of the film's charm.
Quickly, their operation becomes successful, with Chuck showing off his corporate acumen by helping the girls invest their earnings wisely, taking only a modest 10 percent as opposed to the typical 90% that pimps would claim. However, chaos looms when Bill, ever the brash character, invites college fraternity members to the morgue for a party with the girls, an action that could threaten their newfound success.
The movie reaches a peak when Bill and Chuck host an after-party as they embrace the fruits of their labor. After a night of joyous celebration, Chuck and Belinda's relationship evolves as they share a tender kiss. But trouble brews when Chuck discovers that Belinda is still working, leading to a gripping confrontation that showcases Chuck’s struggle with his own lack of confidence.
As events unfold dramatically, we see Chuck's journey towards self-assertion, culminating in a climactic confrontation with the antagonistic Cleon and Pig, which puts Chuck’s life at risk. Just when the situation appears dire, Bill swoops in with apparent customers who turn out to be vice cops, triggering a frantic gunfight that complicates their operations further.
Chuck and Bill experience the consequences of their audacious endeavors—spending a night in jail after their operation is exposed. The momentary hope that Charlotte might stand by Chuck is shattered when she coldly dismisses him upon her arrival. While the girls manage to bail the duo out, the gravity of their situation is not lost—much to Chuck’s delight, the city offers them their old jobs back, a cover-up to a scandalous incident.
As the storyline unfolds, Chuck stands at a crossroads where he must decide what he genuinely desires in life. After rekindling his spirit, he races to find Belinda, who is set to begin anew at an exclusive establishment, Paradise Found. The film’s climax revolves around Chuck's resolute decision to assert himself, leading to a frenzied chaotic battle amid the nightclub's ambiance.
Finally, as Chuck finds his way to Belinda, he professes his love in a moment of vulnerability that sparks change. Despite navigating through physical confrontations with club managers and wayward customers, Chuck’s journey comes full circle as he embraces the future—along with Belinda—in the vibrant landscape of New York City. The film concludes with his realization that by standing up for himself, he can chart a new course, embarking on a life filled with love and possibilities alongside Belinda.
