The Ghost That Owed Me Money — GPT-5.5 (low)
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In neon-soaked Neo-Hangzhou, Lin Ahn collects debts for the Eastern Underwriters' Bureau, an afterlife finance office that hides reincarnation inside polite payment plans. Her latest mark is a tired college student with a funeral-loan delinquency. The collection is clean, legal, and routine—until the file proves the Bureau processed Ahn's dead older sister into the very debtor she just bound.
