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Chapter 5: The Debt Collector's Ledger

~1.9k words · 2026-06-22

The old woman's soul tasted of rust and regret.

Jiang Chen pulled his spectral senses back, letting the flavor fade from his tongue. He stood in the pouring rain outside a noodle shop in Chengdu's old quarter, watching steam rise from the street drains. Three weeks since his execution. Three weeks of hunting.

Three weeks of learning what ghosts tasted like.

"The target's name is Zhao Guifen," Chen Lu said beside him, her voice flat as a blade. She held an umbrella but the rain still found her shoulders. "Died 2003. Lung cancer. Refused to cross over. Started possessing mediums three years ago."

Jiang Chen wiped rain from his face. "What's she doing now?"

"What she always does. Finds a grieving family, offers to speak to their dead relatives, takes their money. Last month she convinced a widow to sell her apartment."

The street was quiet for a Friday night. Red lanterns hung wet and dim above the noodle shop. Through the window, Jiang Chen could see a woman in her sixties sitting alone at a table, hands wrapped around a bowl of soup she wasn't eating.

"Her daughter died," Chen Lu said, following his gaze. "Car accident. Zhao Guifen's been contacting her for the past week. Charging five hundred yuan per session."

Jiang Chen watched the woman's shoulders shake. She was crying into untouched noodles.

"Can't the family tell it's fake?"

"Grief makes people stupid." Chen Lu's tone carried no judgment. Just fact. "Zhao Guifen knows exactly what to say. She reads their memories while possessing the medium, pulls out details only the dead would know. By the time the family realizes they've been conned, she's already moved cities."

"And we just drag her back to Diyu."

"Correct."

Jiang Chen had done this four times now. Each soul had a different story. A teenage boy who killed himself and regretted it instantly. A businessman who faked his death and tried to restart his life in Thailand. A grandmother who just wanted to see her grandson graduate.

They'd all fought. They'd all lost.

But Zhao Guifen was different. She was still in her original body, preserved by a combination of dark arts and sheer stubbornness. Her soul had never crossed the veil, never seen the judges, never received her sentence. She'd been running for seventeen years.

"You're thinking something," Chen Lu said.

"I'm wondering why the Ten Judges haven't sent stronger reapers after her."

She turned to face him fully. The rain had plastered her black hair to her skull, her umbrella long abandoned. "What makes you think they haven't?"

Jiang Chen felt the weight of that statement settle in his chest. "How many?"

"Three. All qualified. All experienced." She paused. "She killed two. The third quit and refused to leave the mortal realm."

"Then why send me?"

Chen Lu's silence was answer enough.

He was bait. A fresh soul reaper with barely enough training to hold his staff. Zhao Guifen would underestimate him, get sloppy, and then—

"Don't take it personally," Chen Lu said. "It's efficient."

"Efficient." Jiang Chen watched the old con woman through the window. She'd finished her performance. The grieving widow was handing over an envelope of cash. "What happens if I fail?"

"You don't."

She said it like she believed it. Jiang Chen wasn't sure he shared her confidence.

---

The medium's apartment was on the fourth floor of a building with no elevator. The stairwell smelled of cooking oil and damp laundry. Zhao Guifen had rented it under a false name, paid in cash, left no trail.

Jiang Chen climbed the stairs alone. Chen Lu was watching the exits outside.

The door was cheap wood with a flimsy lock. He could have kicked it in. Instead, he knocked.

A long pause. Then a woman's voice, old and tired: "Who is it?"

"Building maintenance. There's a gas leak reported on this floor."

Another pause. He heard footsteps, the sound of a chain being slid aside. The door cracked open.

The medium was a woman in her forties with hollow cheeks and haunted eyes. Zhao Guifen's soul wore her like a coat. Jiang Chen could see the old woman's spirit flickering behind the medium's gaze, watching him with cold calculation.

"There's no gas leak," Zhao Guifen said.

"No," he agreed. "But you wouldn't have opened the door otherwise."

He pushed. The medium stumbled back. Jiang Chen stepped inside and closed the door behind him.

The apartment was sparse. A table, two chairs, a bed in the corner. Photos of strangers on the walls — families Zhao Guifen had conned, houses she'd visited. Souvenirs of grief.

"You're young," Zhao Guifen said. The medium's body was tense, ready to fight or flee. "Younger than the others."

"I'm new."

"They send the new ones to die."

"Apparently."

She studied him. The medium's face shifted, muscles moving independently of Zhao Guifen's control. Then the old woman's soul stepped forward, pushing the medium aside. The body's eyes changed — deeper, older, more cunning.

"You're already dead," she said. "I can smell it. Like rotting flowers."

Jiang Chen pulled out his soul reaper's staff. It was black iron, cold in his hands, inscribed with characters that glowed when he channeled power through them. "I'm here to bring you back to Diyu for judgment."

"Judgment." Zhao Guifen laughed. It was a terrible sound. "You want to talk about judgment? I was a good woman in life. I raised three children. I never stole. I never lied. And then I got cancer. The doctors said I had six months. I lasted eight, in agony, and when I finally died, do you know what the judges told me?"

Jiang Chen didn't respond.

"They told me I'd done enough good deeds to avoid hell, but not enough to earn rebirth. They said I'd have to wait. Wait in Diyu for a thousand years before I could try again." Her voice cracked. "A thousand years. For what? For being born poor? For not being virtuous enough?"

"So you ran."

"So I ran." She stepped closer. The medium's body moved with an unnatural grace, bones shifting beneath skin. "I found this woman. She was already dying. I pushed her soul aside and took her body like putting on a coat. And I've been living ever since."

"That's not living. That's stealing."

"Living is all I have." Her eyes burned. "I've been seventeen years in this body. Seventeen years of sunrises. Seventeen years of tasting food and feeling rain on my skin. Do you know what I'd give to keep that?"

"Your soul."

"Cheap price."

Jiang Chen tightened his grip on his staff. "Last warning. Come willingly, or I'll drag you back."

Zhao Guifen smiled. It was the smile of someone who had nothing left to lose. "I killed two of your kind. Both stronger than you. Both faster." She reached into her sleeve and pulled out a talisman — red paper, black ink, characters that seemed to writhe. "What makes you think you're different?"

She threw the talisman. It exploded into a cloud of black smoke that burned his eyes and filled his lungs. Jiang Chen coughed, stumbled back, felt the smoke seep into his soul.

Dark arts. She'd learned dark arts.

Through the smoke, he saw her coming. The medium's body was a blur, nails extended into claws, mouth open in a silent scream. She was possessed now — fully, completely. The medium's soul had been consumed.

Jiang Chen raised his staff and took the blow.

The impact sent him through the wall.

He crashed into the next apartment, debris raining around him. An elderly couple screamed from their bed. Jiang Chen scrambled to his feet, apologized to them through a mouthful of dust, and jumped back through the hole.

Zhao Guifen was waiting.

Her claws raked across his chest. Pain exploded through him — not physical, but deeper. She was tearing at his soul, trying to unravel him from the inside. He felt threads of himself coming loose.

He grabbed her wrist. She was stronger than him. Much stronger.

"You're dying," she whispered. "Again. And this time there's no reincarnation. This time you'll just stop existing."

Jiang Chen looked into her eyes and saw the years of running. The fear. The hunger. She was a cornered animal, willing to do anything to survive.

He understood her.

That was his mistake.

She saw it in his face — the flicker of empathy — and she used it. Her soul surged forward, trying to possess him. He felt her pressing against his defenses, looking for cracks, looking for weakness.

And she found one.

His death.

She saw it. The execution. The needle. The cold table. The witnesses. She saw it all in a flash, and she stopped.

"Your death," she breathed. "It wasn't legal."

Jiang Chen froze.

"You were framed. The evidence was fabricated. The judge was paid." She started laughing, but it was a different laugh now. Triumphant. "They killed you for someone else's crime."

"How do you—"

"When you possess someone, you see everything." She released him, stepped back. "I can prove it. I can show you who really did it. I can give you names."

Jiang Chen's hands were shaking. The staff felt heavy. "You're lying."

"I'm a con woman. Lying is what I do." She smiled. "But I'm not lying about this. I've been possessing people for seventeen years. I've seen every secret, every crime, every hidden truth. There are people in your government who kill for less than what they took from you."

"Tell me the names."

"Take me back to Diyu first. I'll tell the judges everything. They'll have to re-examine your case. You'll get justice."

Justice.

The word felt foreign. He'd been executed three weeks ago. He'd accepted his death, made peace with it, moved on. And now this woman was telling him it was all a lie.

"Think about it," she said. "Someone powerful enough to frame you for murder. Someone connected enough to corrupt a judge. Someone who wanted you dead badly enough to pay for it." She tilted her head. "Who did you offend, Jiang Chen?"

He didn't know. He'd been a nobody. A low-level accountant who got caught up with the wrong people. He'd taken a bribe, yes. He'd looked the other way a few times. But murder? Never.

"The names," he said. "Give them to me."

"Not yet. Take me to Diyu. Let me speak to the judges. Then you'll know." She extended her hand. "Deal?"

Jiang Chen looked at her hand. It was the hand of a woman who'd killed two soul reapers, conned dozens of families, stolen a body and a life that wasn't hers. She was dangerous. She was lying. She was using him.

But she was also his only lead.

He took her hand.

"Fine. But if you try anything—"

She didn't let him finish. Her hand clamped around his, and her soul surged forward, trying to possess him again. He felt her claws in his mind, digging, searching.

"I know what you're doing," she hissed. "You're going to drag me back and let the judges wipe my memory. You'll never get the truth."

"Let go of my mind."

"Let go of your revenge."

He grabbed his staff and jammed it into her chest. Black light exploded. She screamed
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