Blurb: I died on a rain-slick roof while chasing a debtor. When I opened my eyes, I was a “trash” outer disciple in a cultivation sect—with a golden ledger hovering over my soul. Every being owed something. Stones. Pills. Promises. Fate. The ledger called them debts. The world called them cause and effect. Collect enough, and I could seize luck, skills, even destiny itself. From an outer sect nobody to Heaven’s Bailiff, I’ll make the arrogant repay what they owe—one IOU at a time.

Here's the cultivation ladder for Heaven's IOU: The Debt Collector System


Cultivation Levels