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What happens when a bunch of hapless Hindus from Hoboken get mixed up with an underworld don with connections to an Indian call center? And what happens when a good Jersey girl falls for a smooth operator thousands of miles away? For one thing, the phone keeps ringing. Meet the Raj family: deep in denial about its mounting credit card debt, dodging collection notices and phone calls. When eldest daughter Sonal finally picks up the phone, she meets a call center operator like no other, Rob Roy. Little does she know that he’s oceans away. Her brother Shyam, a college drop out, is too busy dreaming of becoming the next Dr. Dre to notice the bills piling up. But romance is in the air for him too, in the form of Radha, a village girl fresh from India. Add to this mix Mausi, their chai-fueled Mary Poppins hell bent on getting this meat-eating, spendthrift family in line. Little does she know that the Gods have it all figured out. When Karma Calls, you can’t hang up.
Bryan Lighthouse photographed pets until a client’s dog maimed a cat. The cat was owned by the wife of Croatian crime lord, Vlatko Nikitin, and rather than killing Bryan, Nikitin offers an alternative: marry his daughter Masha so she can get her green card. Bryan’s crazy mother is thrilled her son is “marrying into money,” but complicating matters is his sexy assistant Tonya, who wants Bryan for herself. Bryan marries Masha, and they go to Tahiti for a romantic honeymoon. But, Nikitin makes it clear that Bryan is not to even touch Masha.
The newlyweds arrive in paradise where they begin to fall for each other – that is, until wannabe girlfriend Tonya shows up. Matters grow worse when Masha gets kidnapped. With Nikitin thinking Bryan is behind the plot to get the hefty ransom, the pet photographer is as good as dead.
With the help of Ernesto, a daredevil helicopter pilot, and Ernesto’s cousin Lani, Bryan is forced into action to save his new bride before Nikitin has him killed.