Ning Choi-san, a timid debt collector, goes to a rural town to collect debts but fails and runs out of money. He has no choice but to take shelter in a deserted temple in the forest on the outskirts of the town. That night, he meets a beautiful and alluring young maiden, Nie Xiaoqian, and falls in love with her. In the morning, however, after he recalls that night's events, he becomes increasingly fearful and superstitious because Yin Chik-ha, a Taoist priest, told him that the people he saw in the temple are ghosts. That night, he returns to the temple and confirms his theory that Nip is actually a ghost.