James Been and his wife Chanel Preston are waiting patiently for their new Sugar Baby. James invites Penny in for dinner, but before they can get too comfortable, the sounds of Jessy's texts interrupt. Hoping not to deprive his wife of dinner. James invites Chanel to join them in the living room. Kendra lust goes on an online shopping spree unaware that her debts have become out of control. After attempting to purchase, her card declines and she receives a call from debt collectors demanding repayment. Things for Kendra are about to get even worse.