A dead body in a bed, AND you're hung over!

Frantically, you attempt to conceal the body underneath the bed, then with the bloodstained sheets covering her up, with ketchup next to it as a disguise. You walk over to the door, open it and you're immediatly shoved to the ground by a fat, muscular man wearing a suit, his hads are covered by leather gloves, and his shoes are leather-soled, that have clearly been polished recently. He's accompanied by a short lady wearing glasses, and also a smart suit, and black high-heels. "Time's up." He says, in his deep voice. You're suddenly incredibly confused. "Time's up for..what?" You say, trying to seem confident. "You owe me money, where is it? And don't bother lie to me, I know your tricks, any resistance and I will surely put you down like a dog chained up to a tree." His intimidating features made you cringe in fear, not just his facial features niether. It's apparent that you owe him money you never knew even existed, perhaps you were set up. "Your lady here underneath your bed told me you would give me the money. Where is it doc? Your explanation is limited, I'll give you a minute to explain yourself before this gun I' got here spits 600 rounds on your body. You better speak up." How do you explain yourself?