A Cheng is a kind-hearted debt collector who meets the debt-ridden Hao Ting. A Cheng becomes deeply attracted to her after seeing her uncomplainingly care for her ailing father and learning that she is shouldering the debt on her own. He eases her burden with a tailor-made repayment scheme: debt reduction in exchange for dates with him. When she has lowered her defenses enough to accept A Cheng's heart, a series of events lead to a bumpy road ahead.