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Phoenix centres around Harry Collins (Ray Liotta), a superstitious cop who after racking up a significant gambling debt with his bookie, Chicago (Tom Noonan), is given the option of killing an informant. He decides to instead rob a loan shark, Louie (Giancarlo Esposito), in order to pay off his debt. He is aided by his partner, Mike Henshaw (Anthony LaPaglia), and two other officers, James Nutter (Daniel Baldwin) and Fred Shuster (Jeremy Piven). However, the robbery quickly becomes more than Harry anticipated.