Nine years after a botched robbery in Ludendorff, North Yankton that left two of his accomplices dead and forced a third into hiding, former bank robber Michael Townley is living under witness protection with his family in Los Santos, San Andreas, adopting the pseudonym Michael De Santa. Franklin Clinton, who works as a repo man for a car dealership alongside his best friend Lamar Davis, is asked to reclaim a car from Michael's twenty year old son, Jimmy, who is overdue on his loan payment. Correctly deducing that his son is about to become a victim of credit fraud, Michael confronts Franklin and orders him to crash the car through the dealership. Franklin is fired, but he and Michael become friends. When Michael discovers his wife Amanda in bed with her tennis coach, he and Franklin chase the man to a mansion, which Michael destroys out of anger. However, the mansion belongs to Mexican drug lord Martin Madrazo, who demands compensation. They acquiesce, paying their debt with Madrazo using money earned from a jewellery shop heist with assistance from Michael's friend, Lester Crest. Trevor Philips, the only other survivor of the Ludendorff robbery, hears about the heist and, realising that the perpetrator could be none other than Michael himself, reunites with his former partner after tracking him down to Los Santos.