I Started with a Black Card and Became a Global Creditor

Lin Fan, an unlucky guy who just got fired and his girlfriend ran away. Accidental activation of the supreme creditor system ability: The system will randomly generate an IOU at zero o'clock every day, and the debtors are all over the three realms of humans, gods, and demons. The things on the IOU are the debts that Lin Fan can legally "recover". The content of the IOU is wild and unconstrained: it may be 5 yuan from the old Wang next door, or it may be the demon king's ten thousand years of cultivation, or even a strand of hair from Fairy Chang'e. Debt collection methods: You can be gentle and make the other party willingly return it, you can use the violent system to force the collection, but it will lower the evaluation, or you can "pay debt with things" and let the other party use other treasures or favors to repay. Reward: If you successfully collect debts, you can get "creditor points", which can be exchanged for everything in the world. There is no penalty for failing to collect debt, but you will miss the opportunity... This novel and its characters are purely fictitious. Any similarity is purely coincidental and should not be imitated.