>>>facing hard time... before it's too late.
When is it "too late"?? How much time is left on the ticking clock?? A week, 48 hours, or...?? A ticking clock is always a good feature in a plot and logline.? But a logline can be strengthened by being specific on the deadline the protagonist faces.? (And how much hard time does he face?)
One question I have is about his facing hard time for a debt.? I thought debtor's prisons in modern economies were a thing of the past.? In what country and in what time period does the story take place?