credit card debt horror stories

Dalton Wyatt, a world-renowned scientist and inventor, is transmigrated into the body of a high school student, also named Dalton Wyatt, who had tragically committed suicide due to unfortunate circumstances and a complicated life. The enchanting world of cards he finds himself in is vastly different from Earth, yet eerily similar in certain aspects. Unlike the peaceful Earth, where humans fought only amongst themselves, this new world is plagued by dungeons and monsters. Here, humanity's survival hinges on battling these mythical and legendary creatures. Ordinary mortals lack the strength to stand against such formidable foes. Thankfully, a select few are blessed with the ability to harness their souls, manifest soul power, and become card apprentices—humanity’s last hope against extinction. Card apprentices are individuals who form contracts with grimoires, mystical artifacts that allow them to wield powerful and versatile cards to fend off monsters and conquer dungeons. A grimoire provides card apprentices with abilities such as card creation and card fusion. Most importantly, it enables them to unlock their full potential in card battles. While this world shares the concept of science with Earth, its focus is not on electronics or industrialization. Instead, cards replace the need for most technologies, fulfilling even the smallest of daily necessities. This world revolves entirely around the grimoire’s abilities, particularly card creation and card fusion. Transmigrated to a place where strength can be bought with money, Dr. Wyatt is forced to earn a living to ensure his survival. Fortunately, with his otherworldly knowledge and expertise, card creation comes naturally to him, setting him apart from other card apprentices. Dr. Wyatt crafts and sells perfect, powerful, and resourceful cards, steadily growing stronger in this monster-ridden world. --- "What did you say? Making good cards is hard? Bah! Card creation is a breeze." "My friend, let me enlighten you—there are no 'trash card ingredients,' only incompetent card creationists." [Commencing card creation using ingredients, i)Bloody Veins - G Rank, Mortal Grade ii)Nyon Rope - G Rank, Mortal Grade iii)Common Core - G Rank, Mortal Grade Card creation… complete! Card Name: Bloody Rope Card Type: Item Card Card Rank: E Rank, Common Grade Card Rating: 3 Stars Card Durability: 100/100 Card Effect: The Bloody Rope can bind and incapacitate its target. When in contact with a target’s wound, it triggers paralysis and blood drain effects. Additional Effect: Paralysis, Blood Drain] "This can’t be real! You used G-rank mortal-grade ingredients and yet crafted an E-rank common-grade card with full durability and a three-star rating? This isn’t real—I must still be dreaming! I couldn’t possibly have woken up today—this has to be a dream!"

She was a medical expert, talented and beautiful. She was reborn as his little wife. Her in-laws did not like her, her husband did not love her, and she was as timid as a mouse. She was weak and easy to bully. When she became her, her goal was to flirt with him, flirt with him, flirt with him! One day, she stood in front of him with a mischievous expression. "Young Master Si, I heard that you have a crush on me? " Si Zhanbei raised his head and glanced at her. He stretched out his big hand and pulled her into his embrace. "Wife, this is a love affair. " So... ... The result of flirting with him was that the sheep went into the tiger's mouth ...

"Doctor, it seems there's something wrong with my emotions." "There's a clown in the West City circus who can make everyone laugh. I think he can certainly help you." "But Doctor... I am that clown." "..." ...... Waking up in a strange room, Leonard Churchill finds himself lying next to a stunning woman. Assuming good fortune has come knocking, but the eerie part is, she's a corpse without any heartbeat or breath. Just when he thinks he's been roped into a bizarre murder scene, After a closer inspection, He realizes, Shockingly, she isn't human! This is a fantastical world after the Great Catastrophe, under the fog-covered land lies countless Underground Cities left by the ancients. A Treasure Hunter wearing a clown mask travels alone in the dark. He is Joker Leonard Churchill, the Catastrophe King! PS. If you're out of books to read, you can check out the already fixed 3 million+ sales old book "Mechanical Alchemist".

Zheng Ming, who had transmigrated to another world, carried with him a set of Hero Cards which, given enough Prestige Points, could summon the heroes from these cards: With the power of these heroes, you could cut down enemies while on horseback, scale walls and rooftops with ease, unleash a Celestial Flying Immortal attack, and even command the might to bewitch the heavens and earth! Of course, riding your sword through the Nine Heavens, vanquishing demons between earth and sky was not just a dream, nor was it impossible to transform into the Ancient Golden Crow, scorching the heavens and boiling the seas...

#Gold Tier Winner of WFP26; Setting in the fictional world of Gaia, where special individuals can awaken certain powers within their souls. They are called Arcana Masters. Some awaken beasts, some awaken weapons, while some awaken the power of plants. Some people train to become stronger so that they have the power to protect loved ones, some wish to use it for revenge, some wish to live longer, while some want to be free and use their power however they wish. Yet, there exists a clan, where the descendants only exist to grant death to others so that life and death remain balanced. Follow the journey of Azrael Garcia, the heir of the cursed clan of Death, as he forms friendships while facing betrayals, meeting love, and cutting down enemies in the process. ************** Note: Author isn't born in an English-speaking nation and has no editor either. So, please be understanding if there are any grammatical errors. ************** Author's other contracted novels: War Online, Weapon Seller in the world of magic Author's other notable works: The Last Slytherin, The Sharingan Hyuga, Prince of Kpop ************** You can also support the Author through Patreon or buy a coffee on Ko-fi.com https://www.patreon.com/snowstar https://ko-fi.com/snowstar5061

Daniel was a Game Designer who live an ordinary life. He was killed on a day when it should be the happiest day of his life as he was so close to publishing his card game. Lured to his death by his girlfriend. He become a sacrifice of some kind of ritual and died. He then got resurrected for an unknown reason along with getting the power to actualize all of the cards in his card game to the real world. Whether it was the spell, Artifact, or even a powerful creature! All can be actualized! Are you a mage and a genius Artificer? I have a Forbidden Tome of Artificing of the lost civilization. Are you interested? If so, become my pupil then! Are you a Vampire lord and the head of the most powerful vampire clan in the modern world? Now, where I kept that Legendary Vlad Dracula-The First Ancestor of The Vampire card? The holy warrior from the Vatican knocking on my door? How about meeting my bodyguard? Michaela-Defender of The Faith. (Female version of Michael) Did someone just summon an all-powerful Demon and sent it to kill me? They even sacrifice thousands of mage souls and many priceless treasures to do that. Let's test my common spell card. The almighty [Unsummon] spell! Good luck in summoning that thing again! With this power, Daniel will take his revenge on whoever did this to him and create his own empire. His magic civilization!

The new book "Mystical Tycoon Rebuilds the Underworld in the Stars" is out! Please add to your collection~ 【Metaphysics + Exciting Story + Dual Strengths + 1v1】 Jiangli went into seclusion one day, and when she emerged, it had already been 800 years. When she opened her eyes, she found that the world had completely changed. The money and the quadrangle courtyard she had hoarded were gone, replaced by a huge debt. And a silly disciple. Jiangli could only tearfully roll up her sleeves and pick up her old trade. Gradually, people soon discovered that the Taoist Temple, which was on the verge of bankruptcy and demolition, suddenly started prospering again, with big shots seeking help one after another. Famous movie stars, trending idols, company CEOs, celebrities from all walks of life: "Tycoon, save me!" However, no one noticed that the revered tycoon they spoke of was addicted to live streaming. Yet in the tycoon's live stream channel, there was always a patron dominating the leaderboard. Everyone was speculating about the identity of this lavish mystery patron. During one incident, Jiangli said in a live stream: Thanks to my husband... Fans: Shocked!!! The tycoon's husband has been revealed!!!

This is both a work of science fiction and an exploration of the meaning of life, love, literature and art. Brainpower is no longer the main ingredient for being human in this far distant future world. Spirituality, physical balance, and diligence all come together as integrity for Chen Mu, the Card Apprentice. The cards which Chen Mu masters in his own scrappy way, distill all the powers of the cosmos – human and nonhuman – into something that is not a book, not technology, and neither art nor magic, but is these and more. Learn about these strange cards, which can embody everything you might imagine for the future of technology, but also a future beyond technology which promotes the best, and sometimes the worst, from mankind’s past.

Standalone horror stories, approximately 500 to 1000 words per chapter, with each story fully independent of the others. If a character's name appears in multiple stories, it should not imply a connection between them unless explicitly noted otherwise.

The Card Creator is a very ordinary profession. Simply put, the incumbent seals various kinds of abilities, illusions, images and so on in blank cards for convenience of use. Lu Ming, who initially planned to lead an idle life, had a not-so-boring dream now — He hopes to seal the entire world in the cards. One still needed to have dreams. What if you could realize them?