All Chapters of Karma Debt System: Payback Time: Chapter 21
- Chapter 30
70 chapters
Descent into the Abyss
Sector 12 was a graveyard of industrial ambition. Decades ago, the municipal water treatment plant had been a shining beacon of civic engineering, a massive complex of concrete reservoirs, filtration towers, and subterranean pumping stations. Now, it was a rusted, decaying monolith sitting on the edge of the city’s heavily polluted river. The city council had officially condemned the site ten years prior, citing toxic runoff and structural instability. It was the perfect place to hide a nightmare. Arlan Mahendra parked the stolen, unmarked M-SEC van half a mile away, hiding it beneath the crumbling archway of an abandoned highway overpass. The torrential rain from the previous night had settled into a steady, freezing drizzle that coated everything in a layer of slick, dirty moisture. He stepped out of the vehicle, his heavy combat boots sinking an inch into the mud. He was wearing the dark tactical jacket over his Kevl
The Human Filters
The descent into the abyss was not a quiet one. It was accompanied by the sickening, chalky friction of bone grinding against bone. Arlan Mahendra leaned heavily against the cold, damp concrete wall of the subterranean stairwell, his breathing shallow and rapid. The adrenaline from the courtyard shootout was beginning to recede, leaving behind a raw, unfiltered agony in his right forearm. The ulna was fractured. Not completely snapped in half, but cracked deeply enough that every microscopic movement sent a violent wave of nausea crashing into the back of his throat. "Rook," Arlan whispered into the comms, his voice tight with pain. "I'm in the primary stairwell. Moving down to sublevel two." "Boss, your heart rate is spiking to one hundred and forty," Rook’s voice crackled, laced with genuine concern. "The biometrics on your suit say you’re going into mild shock. You need to stabilize that arm before you engage anyone else."
The Price of a Miracle
The subterranean river was a churning vortex of black ice and industrial filth. Arlan Mahendra did not swim; he merely fought a desperate, losing battle against drowning. The violent current dragged him through the jagged, concrete bowels beneath Sector 12, tossing his battered body like a broken ragdoll in a washing machine. The water tasted of rust, chemical runoff, and raw, unfiltered sewage. It filled his nose and stung his eyes, blinding him in the absolute, crushing darkness of the underground drainage system. He couldn't use his right arm. The crude polymer splint he had fashioned earlier held the fractured ulna in place, but every time the turbulent water slammed him against the slick, moss-covered walls of the tunnel, a fresh, blinding wave of nauseating agony radiated from his elbow to his shoulder. His left hand—the one severely burned by the suppressor and slashed by the enforcer’s knife—flailed wildly in the dark, desperately trying to kee
The Crumbling Empire
The view from the penthouse office of Apex Pharmaceuticals Headquarters was supposed to inspire absolute dominance. Standing seventy stories above the financial district of Veridian City, Damian Croft usually looked down at the gridlock of traffic and the scurrying masses with the detached amusement of a god observing an ant farm.Tonight, however, the city lights looked like a sprawling, terrifying inferno, and the god was bleeding.Damian Croft stood frozen in front of the floor-to-ceiling ballistic glass windows. He was a man who spent ten thousand dollars a month on custom-tailored Italian suits and perfectly manicured hair, but right now, his appearance was unraveling. He had torn his silk tie from his neck and unbuttoned his collar. His normally pristine, gelled hair was a chaotic mess where his trembling hands had repeatedly run through it.His office, a monument to corporate sleekness with its minimalist black marble desk and abstract modern art, was currently a
The Five-Year Toll
The universe demands a balance for everything. A life for a life. A debt for a debt. But when a mortal man attempts to wield the destructive power of a god, the universe does not ask for Karma. It asks for time.Arlan Mahendra’s body became the conduit for a catastrophic violation of physics.The Absolute Kinetic Overload did not manifest as a laser beam or a fireball. It manifested as a pure, localized distortion of gravity and kinetic force. The freezing rain falling around Arlan literally stopped in mid-air, suspended by the immense pressure radiating from his core.He aimed his right arm—the one locked inside the rigid carbon-fiber cast—directly at the accelerating Gulfstream G650ER screaming down the dark runway."Take it!" Arlan roared, his voice tearing his vocal cords, drowning out the deafening roar of the jet engines.The energy released.It felt as if a jagged, rusted hook had been driven into the center of his chest and violently yanked out,
The Runway to Hell
The Blackwood Valley private airstrip was a hidden scar cut deep into the dense, ancient pine forests miles outside the city limits. It wasn't listed on any civilian aviation maps. It existed purely for the elite of Veridian City to quietly move illicit cargo, laundered cash, or, in tonight's case, themselves, when the federal authorities came knocking. The storm that had battered the city all night had followed Damian Croft into the valley. Torrential, freezing rain lashed across the slick black tarmac, illuminated only by the faint, pulsing blue glow of the runway edge lights. The air was thick with the suffocating, chemical stench of unburned Jet-A aviation fuel and wet pine needles. Sitting at the far end of the runway, engines already spooling up with a deafening, high-pitched whine, was a pristine, customized Gulfstream G650ER. It was a fifty-million-dollar chariot designed to fly non-stop to a country where extradition treaties
Ashes of the Father
The M-SEC van did not park neatly in the underground garage of the Financial District high-rise. It screeched to a halt at a violent, diagonal angle, the tires leaving thick black streaks of burnt rubber across the polished concrete. Before the engine even cut off, the automated side door slid open. Rook practically fell out of the driver’s seat, hauling his customized wheelchair out of the back. The hacker’s hands were shaking so badly he could barely grip the metal rims of his wheels. He rolled to the back of the van, his breath catching in his throat at the metallic scent of copper and burnt flesh wafting from the dark interior. "Arlan," Rook choked out, peering into the gloom. "Boss, we’re home. You have to move." Arlan Mahendra lay on the metal floor grating. He looked less like a man and more like a casualty of a warzone pulled from the rubble days too late. The tactical jacket he wore was shredded, saturated with freezing rai
The Ghost in the Crosshairs
The red laser dot rested perfectly over Arlan’s heart. It didn't waver. It didn't tremble. It was a beacon of absolute, clinical death painted against his torn, blood-soaked tactical jacket. For a fraction of a millisecond, the world fell entirely silent. The roaring inferno of the crashed Gulfstream jet, the howling of the freezing wind, the metallic groans of the dying aircraft—all of it faded into a vacuum of pure, primal terror. Arlan didn't think. He didn't have time to consult the System or calculate an angle. His survival instinct, honed in the blood-soaked alleys of the Narrows and sharpened by the brutal downloads of the CQC Mastery, simply took over. He threw his entire body weight backward, violently kicking the charred, overturned leather passenger seat in front of him up into the air. He didn't hear the gunshot. The bullet was traveling at Mach 3, far faster than the speed of sound.
Last Updated : 2026-03-13Read more
The First Domino
The Syndicate did not keep their wealth in digital ones and zeros. Digital money left a footprint. It could be tracked by federal algorithms, frozen by international courts, or erased by a hacker like Rook. True, untouchable power was physical. It was gold bullion. It was uncut conflict diamonds. It was bearer bonds printed on watermarked paper. "The Aurelia Trust," Rook said, his fingers flying across his mechanical keyboard. The massive curved monitors in the penthouse safehouse reflected a detailed, three-dimensional architectural blueprint of a building in Veridian City’s ultra-rich Diamond District. "It operates on the surface as a private wealth management firm for billionaires. But underneath the lobby, eighty feet below street level, is a subterranean vault." Arlan stood behind Rook’s wheelchair, staring at the blueprint. He had changed out of his shredded, bloody tactical gear. He wore a dark, form-fitting ballistic weave s
The Leviathan's Wake
The roar that tore from Arlan Mahendra’s throat did not sound human. It was a jagged, visceral sound of absolute, world-ending grief and bottomless rage. He didn't just crush the plastic burner phone in his left hand; he pulverized it. The sharp plastic shards bit deep into his bandages, drawing fresh blood, but he didn't feel it. He grabbed the heavy, polished mahogany table sitting in the center of the empty vault and violently hurled it against the three-foot-thick titanium wall. The table shattered into a hundred jagged splinters, echoing like a bomb blast in the cavernous, empty room. [ SYSTEM CRITICAL WARNING. ] [ Host heart rate exceeding 190 BPM. ] [ Elevated levels of cortisol and adrenaline are causing severe cardiac stress. ] [ Recommendation: Immediate emotional regulation to prevent localized myocardial infarction. ] "Shut up," Arlan hissed, his crimson eyes flaring so brightly they cast a demonic re