Qin Su calmly agreed to the request. The opponent was Li Xiao's wife, who had been opposing this matter. Until the female ghost Qian Huanyou sneered and said, "Don't worry, scaring people... no, it should be said that 'debt collection' is my professional field."

This is her daily work, which has been reduced since she followed Qin Su. In fact, Qian Huan is quite interesting. She enjoys seeing others being scared and pissed off by her. Therefore, she looks forward to the day when the old debtors don't pay back the money.

Since Qin Su used a sleight of hand, Li Xiaoxifu did not discover Qian Huan's true identity. Seeing the two of them full of confidence, she could not help but feel suspicious of her.

On the fifth day of the fifth month of the lunar calendar, Old Mrs. Li couldn't help but come to the door.

After seeing her, he couldn't wait to say: "This time I really invested money in the project. This investment platform is very profitable. Invest 100,000 yuan, and you can get 150,000 yuan by the end of the year. I can't tell anyone about this casually. I'm telling you these secrets because we have a friendship."

Li Xiao's wife is a down-to-earth person. Even if she is rich, she will not easily spend money on unnecessary financial management. He listened to what Old Lady Li said with indifference.

The old lady coughed and looked at the stranger next to Li Yixuan, thinking that this man was not stupid. "Why do people I know always like to lend a lot of money to others?"

He stared at her for a moment and asked, "Who is she?"

Qin Su said calmly: "She is Qian Huan." As Qian Huan looked up and smiled, the smile seemed to reveal a bit of innocence.

Li Yixuan also said a few words. Soon, he opened the document - this document recorded the list of all debt-owing companies in W City. He looked through it and did not find the name of any boss whose name appeared in the list under Qian Huan, so he was slightly relieved. "As long as this person is not a high-ranking person, I dare not recklessly not pay the debt even if I owe a debt," his thoughts immediately became firm. Then he borrowed the huge 50 million from Qian Huan. After examining the contract, his laughter was beyond words: "This ** is really amazing. Generally speaking, personal loans can only charge a monthly interest rate of 30% at most. And the terms of this loan are to use life as the unit of interest calculation, which is really unexpected."

---

Every sun cuts off ten years of his life. What year is this? How can people still believe this? I remember when he owed money to someone and didn't pay it back, people cursed him for his life every day, but now he seems to be alive and kicking, much more relaxed and comfortable than others.

Old Zhang smiled secretly in his heart. After signing the contract, he proudly put away the check and put it in his pocket. After receiving this unexpected one million, he could enjoy a leisurely and happy life for a while. As he walked, it seemed that even his steps became lighter.

---

In the new day, with an extra golden purse in his hand, Zhang couldn't wait to gather all the buddies who usually drank together and find a tavern to have a good time. With a happy face, he announced to everyone, "Today's expenses are covered by me, just order whatever you want!"

When he was slightly drunk, he began to talk about this wonderful experience with great interest, as if the man who donated money generously had instantly become the object of everyone's flattery, as if he was a big liar. He proudly talked about his witty decision and the stupidity of the man he called "rich fool".

Hearing this, the other brothers all looked at him with envy and secretly thought about how to get a similar opportunity. One of them said anxiously, "Lao Zhang, when can you show this treasure to the brothers? We are classmates and have a deep friendship, and we want to work together for a great cause."

Another one continued, "Yes, yes, I'm very poor recently and I need some money to help my son get a wedding gift."

Others said, "I remember you once came to his aid and helped him resolve a fight."

Everyone raised their glasses, and a warm current of friendship rippled from the bottom of the glasses, but it could not conceal their envy of Lao Zhang's "luck and success".

---

When Lao Zhang returned home drunk from the banquet, he found it was a dark and deserted night and his wife was nowhere to be found. Lao Zhang could not help but complain, "This bitch only plays cards all day and doesn't care about my life or death."

Due to the influence of alcohol, his steps were slightly unsteady, and while he was searching for the light switch near the door, he did not notice that the light suddenly flickered on.

He frowned in confusion, wondering how could a newly replaced light bulb malfunction? Old Zhang immediately realized that this must be a trick played by Old Zhang, who was clearly using a broken light bulb to seduce him. He would definitely teach this guy a lesson tomorrow!

As his thoughts turned, the scene in Lao Zhang's house seemed to be abnormal for a moment. Lao Zhang suddenly found that there seemed to be a vague figure sitting under the flickering lights...

Could it be a thief? His heart was beating fast. He looked again and confirmed that it was a person, a thin-looking woman, whose face he had some impression of.

In just three seconds, Lao Zhang suddenly remembered the woman he had just met a few days ago - the fool who generously donated money. How did she get into my house?

Facing a single, frail opponent, he did not seem to be afraid at all, and asked impatiently, "It's been less than half a month, right? You're here to collect the debt?"

The other party replied with a subtle, sharp laugh that could give people goose bumps, "Of course I can file a complaint, but I'm afraid no one will take your case by then."

After hearing this, Lao Zhang sneered and asked, "Does this woman think he doesn't have the courage?" The next moment, when he heard the woman's voice, Lao Zhang felt even more shocked.

"Is this still the stage for Justice Bao? You can even handle complaints from ghosts!"

A chilly breeze blew away these words, and there was no sign of any doors or windows being opened. However, the cold wind seemed to come from the void, filling every corner of the house with chill.

Zhang's mind was instantly awakened by the cool breeze, just like it had just been ignited by strong liquor. Sweat came uninvited, drop by drop. His sight was fixed on the ground, and he could only see his own shadow cast on the ground - this scene reminded him of the figure of an invisible ghost in the darkness.

Zhou Hong seemed to have no shadow at all. The shadow of a ghost always kept a distance from this world. The atmosphere of Lao Zhang's family was covered by a mysterious and depressing atmosphere.

Lao Zhang's chest seemed to be about to jump out of his throat, his ears were filled with buzzing noises, and his legs seemed to have been drained of strength by an invisible force, and he fell headfirst to the ground.

"Ghost, listen up!"

Zhou Hong had a sinister smile on her face, as if telling an unspeakable secret. "So, when will the previous deal be completed?"

Lao Zhang was about to cry, "But, it's only been one day!"

Zhou Hong's face turned cold instantly. Her aura was like an open freezer, releasing a chilling cold breath. This bluish, glowing face, even more gloomy under the flickering lights, was simply a captivating presence. Without any post-production modification, it was the perfect material for a horror drama.

Intertwined with the cold wind was her sharp voice, "Aren't you trying to shirk responsibility?" she added after deep thought.

Then she explained, "A solar year corresponds to one lunar day, and a day spent on earth is equivalent to a year in the underworld. I have been here for a whole year, and only then have I begun to seek the reward you promised me."

These seemingly mysterious calculations and conversions come from Zhou Hong's fictional world. For the mortal Lao Zhang, it is difficult to distinguish the authenticity or falsity of all this.

"When we signed the agreement, we operated according to the time system of the Yang World." There was a strange atmosphere hidden in her words. "Therefore, now is the time to repay the loan and the interest incurred."

As Zhang recalled the tiny words on the note, a chill ran down his spine. Every year, he lost 10 years of time...According to what this woman had said, within a few days, Zhang's family fortune would be completely wiped out.

As if under the influence of his mind, the air was filled with a suffocating feeling, and his hands and feet were shaking. Was this the end of his life?

He doesn't want to leave this world like this.

Tears and snot streamed down his face, and Lao Zhang burst into tears. "I recognized the wrong person. I will return the money to you tomorrow morning. Please don't let me go."

Zhou Hong didn't expect the other party to be so timid, and she felt a little impatient. She hadn't even used up all the seventeen or eighteen insidious tricks she had yet to unleash! This person was really too timid!

She shook her head gently and continued, "Actually, I don't mind giving you a few more deadlines. That way, I can take your life right away, and let you live to be a centenarian in your next reincarnation."

"Even if this lifetime is not enough to pay it back, there will always be time next time, right?"

Mr. Zhang suddenly felt that he was not only bound by the loan, but also his entire life. He was so desperate that he said, "I will return the money to you right away!"

He fumbled for his phone with shaking hands, hoping to borrow some money by calling, at least to settle some of the money he owed to the evil spirit. However, when he took out his phone, he found that there was no signal at all.

Zhou Hong looked at the situation and said casually, "I accidentally released too much cold energy just now and interfered with the surrounding electronic field. Wait a moment." However, her words did not arouse any disgust from Lao Zhang.

Less than a few seconds later, his phone was full of signal again.

After Li Chen borrowed a large sum of money from Xiao Lizi yesterday, he spent most of it on his own consumption within just one day, and even spent nearly 50,000 yuan on dinner. In addition, he also had to repay the money he owed Li Xiaohua. After taking into account his original funds, he only had 700,000 yuan left, and he had to borrow another 350,000 yuan to repay the debt.

Unfortunately, his credit record was not good. Considering the many stains in his past, no one dared to take the risk to lend him money. Even asking for help from elders and relatives and friends only added to his distress. In the end, Li Chen only borrowed more than 15,000 yuan, which seemed like just a drop in the bucket.

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