Transmigrated, I Cultivate with IOUs

After lending money to a friend who never repaid, the protagonist dies of illness and transmigrates into Cheng Jin, a nominal disciple of Lingquan Sect. Cheng Jin was drowned in a lake for demanding spirit stones with an IOU. After transmigrating, Cheng Jin unexpectedly awakens the IOU spiritual root, and from then on, everything owed to him must be reclaimed. — Description from novelcodex.org