[Urban Fantasy + Rules + Subverting Expectations + Causality]
Chen Yan is a low-level debt collector who specializes in the debts no one else dares touch.
From shameless relatives who squat in homes they have taken over and refuse to leave, to corrupt bosses who withhold wages, pocket the money, and drive off in sports cars, he handles them all.
Chen Yan doesn't argue or make a scene. He calmly takes out his ledger and writes down the debt.
"If you don't pay within three days, you'll get hit by a car when you leave, or choke to death while drinking water."
The deadbeats laugh in his face and tear up the IOUs.
That very afternoon, the corrupt boss gets struck by lightning on a livestream and burned to a crisp, while the shameless relatives all get diarrhea so bad they end up dehydrated in the ICU.
Other debt collectors rely on their fists. Chen Yan relies on Heaven.
When Chen Yan walks toward a financial conglomerate's headquarters with IOUs worth tens of billions, the entire financial world falls to its knees.
"Brother Chen, here's the principal plus ten times the interest. Please, cross my name off your ledger! A meteor from space has already locked onto my villa!"
Opening hook: From the start, his shameless maternal uncle refuses to repay a debt, brings people to beat Chen Yan, and points at him, yelling, "I borrowed that money through my own ability. Why should I pay it back?" Chen Yan smiles as he records the conversation and writes down the debt. The next second, his uncle's brand-new Mercedes spontaneously catches fire and explodes, leaving him screaming and completely undone.
What's to come: Chen Yan goes live for the whole internet, collecting debts on behalf of his viewers. No matter how powerful the deadbeats are or how much influence they wield, causality pins them to the ground and grinds them into the dirt, leading to all kinds of bizarre, unforgettable deaths.
