Three Hundred Years of Debt at the Start

Li Qing's father has been missing for three years. What he left behind is not an inheritance, but three debts: a loan from Qingyun Sect for entry, which has snowballed to 182 spirit stones; an inheritance debt from Blood Contract Tower, with principal and interest totaling 350 spirit stones, accruing daily; and a causal debt with unknown source, unknown creditor, and an amount marked "pending." At eighteen, Li Qing is at the third level of the Debt Realm with four fake spirit roots. He is the lowest-level rogue cultivator in Yun'an County, unable to afford even a bowl of spirit grain porridge with his daily spirit energy quota. The debt collectors from Blood Contract Tower have been squatting at his doorstep for three months. Then he discovers a bronze disc among his father's relics. It can reveal hidden clauses in the Heavenly Contract Ledger and see through every contract to what is not written on the surface. "Debts must be repaid, it's only natural." "Then I'll repay them on my terms." From that day on, Yun'an County gains an accountant who specializes in helping low-level cultivators legally avoid debts.