What Happens At The End Of 'How We Got Out Of Bad Debt!'?

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.

The day after my parents finally find me and bring me home—18 years after my abduction—they announce their bankruptcy and plunge into massive debt. Over the next two years, I'm forced to drop out of school and work three jobs a day to pay off the family debts. I even lose hearing in one ear after a brutal beating from a debt collector. Through it all, Mom and Dad hold me close in the middle of the night, weeping and apologizing for failing me. Foolishly, I believe them. I tell myself that as long as our family is together, I can endure anything. Desperate to hear again, I buy a used hearing aid on a secondhand goods platform for 9.90 dollars. The comments section congratulates me on snagging a rare steal. But the seller replies indifferently, "This is something my housekeeper doesn't want anymore. I'm just giving it away as charity." Swallowing my pride, I travel to a massive luxury villa to pick it up. After taking the hearing aid from the young woman, I bow my head in deep gratitude. But as I look up, my gaze catches Mom and Dad in the garden behind her. They were calling out to her, saying, "Stephy, hurry back after meeting with that peasant. And be careful not to get your hands filthy."

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.

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 husband’s company went bankrupt, and his creditors quickly came over to threaten him. Then, of course, they asked me for the money. Milo Cardilo, my husband, was worried that they would hurt me, so he shielded me and said while crying, “Stella, the company owes ten million dollars. Let’s fake a divorce and split our assets. That way, I won’t drag you down with my debts. Trust me, honey. Once this is settled, we can get married again.” His sincerity and selflessness touched me. When the creditors came to drag him out of his company to beat him up again, I stepped forward. “I’m Stella York, and my father is the Don of the Rosa Family. Let my husband go, and I’ll give you the money.” But when I went downstairs to call my estranged father, I heard my husband talk to his creditors. “Don’t believe her. How could she possibly be the Principessa of the Rosa Family? She must be bluffing to stall for time. Make your act more convincing. Puncture all the fake blood bags I have on me! Once she signs the agreement to walk away with nothing, I’ll pay you ten times the acting fee!” My heart went cold. So, when it was time to sign the divorce agreement, I agreed without hesitation. Milo sighed in relief, but what he did not know was that he was going to pay the price for his deceit.

At the factory, my arm is pulled into a machine. After the surgery, the factory supervisor tells me it's my fault. Because of my arm, the machine has to be shut down for repairs, and every day of downtime will cost them millions. "Someone has to take responsibility for this, Zachary," the supervisor tells me. "It wouldn't make sense to demand millions from you, so just compensate us with 300,000—that's all." Under their threats—and my family's desperate begging—I sign the IOU for 300,000. With one arm gone, I can no longer find a job. All I can do is collect trash to repay the debt. While picking up bottles outside a restaurant one day, I hear the factory supervisor laughing and bragging inside. "Actually, that one-armed guy didn't violate any rules. In fact, the HQ gave three million dollars in compensation. My house and car? All bought with that money," he said. "I mean, who'd ever find out? With that debt hanging over him, he's probably already run off somewhere." Shaken by the news, I stagger onto the street. A truck roars out of nowhere, slamming into me and throwing me 16 feet across the road. When I open my eyes again, I had returned to the day I lost my arm.