Is 'How We Got Out Of Bad Debt!' Worth Reading?

My husband, Julian Harlow, has died, leaving behind a five-million-dollar debt. I decide to inherit his debt right away. However, my best friend, Evangeline Frost, goes crazy from worry because of my decision. In my previous life, Evangeline had advised me to not inherit Julian's debt because he didn't have any assets. So, I signed the agreement to give up on inheriting his assets and declare that I had nothing to do with Julian in order to escape from the debt. But the debtors kept haunting me. They even kidnapped my son, Shawn Harlow, just to force me to pay the debt. The debtors were extremely violent and ruthless. On top of that, they kept using Shawn's safety as leverage over me. Every time they forced me to pay the debt, I felt as though I was being tormented slowly yet painfully. In just 24 hours, I asked all of my relatives for help, but I was only able to gather 100 thousand dollars. In the end, Shawn never escaped from his fate. I was sold to Northreach by the cruel debtors in order for the debt to be cleared. But that was when Evangeline claimed that her own son had finally returned to his roots, thus successfully inheriting the assets of a billionaire. I finally found out that said billionaire was actually my dead husband when I watched the news on the TV. Only then did realization dawn on me. Julian was pretending to be poor this whole time. It turned out that Evangeline's son was actually his illegitimate child. The assets that I had given up all went to Evangeline and her son in the end. Filled with resentment, I tried to escape back to the country in order to settle the score with Evangeline, only to die to the electric fence surrounding the slave camp in Northreach. When I open my eyes again, I've returned to the day Evangeline tells me to give up on the assets.

Five years ago, my family died in a car crash. My parents. My adopted sister, Liz. Everyone but me. They left behind grief, an empty house, and a debt so large it swallowed my life. When the collectors came, I turned to the only person I had left—my husband, Adrian. He told me he had cut ties with his own family to marry me and had nothing left. I believed him. For five years, I worked every job I could find, paid every dollar I earned, and told myself love was worth the suffering. When the balance dropped to its final $18,000, I signed up for a paid drug trial at a private clinic. They handed me a waiver, warned me about possible delayed reactions, and promised fast money if I swallowed the experimental dose. I thought it would buy us a new beginning. Instead, I came home early and heard Adrian on the phone. “Let Liz use the card. Evelyn still doesn’t know. She took away Liz’s money five years ago, so she has to earn every dollar back herself.” Then he laughed softly. “One more year, and her punishment is over.” That was how I learned the dead were alive. The debt was fake. My husband had never been poor. And the life I had fought so hard to survive was only a sentence they had given me.

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.

My wife, Alisha West, has always been obsessively frugal. After marrying her, my single guilty pleasure became blowing money on luxury watches—almost like revenge for how absurdly tightfisted she was. By the time our daughter, Elyse Day, turned 7, she had inherited every bit of her mother’s penny-pinching nature. The two of them looked completely out of place in our sprawling mansion. And I loved it. I’d slip into my latest custom-tailored suits and watch them wince at my credit card statements, their expressions twisted in quiet pain. Until one day, lines of floating text suddenly appeared before my eyes. [This spendthrift idiot is still shopping? Doesn’t he know his wife’s company is about to go bankrupt?] [She’s been drained dry supporting this parasite. Her T-shirt collar is practically worn out from washing. Good thing the financially savvy male lead is about to show up and save her.] [Can’t wait for Alisha to file for divorce and kick this useless freeloader out. Let’s see how he survives fighting stray dogs for scraps under a bridge.] I slammed the limited-edition Richard Mille watch onto the table. Alisha, who was crouched on the floor breaking down delivery boxes for recycling, and Elyse, who was helping stomp them flat, both jumped in shock. A chill ran through me. I lunged forward, snatched the battered cardboard box from Elyse’s hands, and held it tightly against my chest. "No… no more buying. I’m returning this watch. "And these boxes… don’t sell them. I think we might need them someday… to lay out under a bridge when we’re sleeping outside…"

Robert Schmidt's company is on the verge of bankruptcy. He decides to get a divorce from me in order to not drag me down. I refuse to divorce him. Since then, I work during daytime and take on part-time jobs at night just so I can help Robert tide over the financial crisis. Heck, I even work eight jobs per day. But when I head over to Robert's company to seek him out with the money that I've painstakingly gathered, I accidentally overhear his conversation with his assistant, Ellie Gordon. "Robert, when are you going to divorce that hag? I can't wait any longer!" "I didn't know she'd be this hard to shake off! I already lied to her about my bankruptcy, and yet she still refused to divorce me!" Only then do I find out that Robert isn't bankrupt at all. He's just pretending to be bankrupt so that he can divorce me and give Ellie a proper title by his side. I end up dying from an aneurysm that gets triggered from my overwhelming fury. After my death, Robert has the gall to use the money I've worked so hard in earning on buying Ellie jewelry and a house. Later on, they have a whirlwind marriage and live happily ever after. As for me, I don't even get laid to rest in a proper graveyard. My corpse is left rotting somewhere unknown. When I open my eyes again, I've returned to the day Robert pretends to be bankrupt. This time, I sign the divorce agreement without hesitation. On top of that, I also apply for a patent before reporting Robert's company for infringing my copyright on the products. Since he likes pretending to be bankrupt that much, I might as well make his wish come true!

In the third year I've decided to support my girlfriend, Iris Fulton, by opening a flower shop, she has gone into bankruptcy once again. The first time she went bankrupt, I sold the house my grandma had left for me so that I could clear the debt of 700 thousand dollars. The second time she went bankrupt, I was able to locate the bank passbook Mom had left for me as a wedding gift. That was how I paid back one million and six hundred thousand dollars. The third time Iris has gone bankrupt, however, I can only grip the note with my filthy rich dad's phone number while staring at her lost and dazed expression. At that time, I'm debating whether or not I should call him. But that night, I accidentally notice the chat history on Iris' group chat that's displayed on her tablet. "Hey Iris, how many figures are you going to fill into the sum of the bankruptcy contract that's supposed to be cleared this time?" "Let's put ten million dollars. Otherwise, that flower-selling plaything will be able to clear the debt in one go. It'll make things very boring." "As expected of you, Iris! I heard that the plaything waters flowers in the morning and waters your 'flower garden' at night. You're never tired of him, are you?" I put down Iris' tablet before calling my dad right away. "You want me to take over the family business and marry your student, right? Fine, I'll do it. Get your men to pick me up in three days."