Marcus Burnett is a henpecked family man. Mike Lowry is a footloose and fancy free ladies' man. Both Miami policemen, they have 72 hours to reclaim a consignment of drugs stolen from under their station's nose. To complicate matters, in order to get the assistance of the sole witness to a murder, they have to pretend to be each other.

Cyndi Lauper stars as a performing mermaid in a Miami nightclub who ends up on the wrong end of a murder. On the run carrying a locket that people seem to be getting killed for, she runs into an ex-golfer and a wisecracking kid who might just be able to bail her out of this wacky nightmare.