After a bad day with her boss, friend, husband, babysitter etc., Anne goes to a bar. A man offers to solve her problems. As a joke, she signs a napkin. Hours later, the boss is dead.
Acting
Jeff Fahey doing Jeff Fahey things.
Production
Somehow cost money to look this cheap.

Director
Steven R. Monroe
Trivia, insights & behind the scenes
Director Steven R. Monroe later made the infamous 'I Spit on Your Grave' remake—this was his training ground.
The 'napkin contract' trope peaked in 90s thrillers where women's casual choices became deadly; this is the bargain-bin version.