Divine Debt Decree de the Heavenly Firmament

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At the start de the story, ordinary young man Lin Fan sinks into utter despair. Stricken with an incurable terminal illness and with little time left to live, he is ruthlessly betrayed by his long-term girlfriend Zhang Li. After borrowing all his life savings, she refuses to pay him back and teams up with rich heir Qin Hao to bully and humiliate him relentlessly. Relying on his powerful family background, Qin Hao beats Lin Fan to the verge of death. Stripped of all dignity and trapped with no way out, Lin Fan thinks his life will end here. But at the brink of life and death, the sealed memories of his past life awaken, transforming him into the sole Divine Debt Lord of the Three Realms. A unique divine ledger for all debts across the Three Realms materializes in his palm, accompanied by Ling’er, a quick-witted ledger spirit who constantly aids him, completely turning his doomed fate around. As the Divine Debt Lord, Lin Fan holds jurisdiction over every form of debt across heaven, earth, and the underworld: monetary debts and favors owed among humans, grievances from bullying, karmic ghost debts in the netherworld, as well as vows and official obligation debts of celestial immort