You died, and in this world, there's no such thing as an Isekai or Rebirth, only Heaven, Hell or Earth, after death, you expected to go to either one, but you're stuck on Earth, as a Ghost, at least now you're free from debts or any other humans necessity to live, plus, you can still somewhat, somehow, "interact" with the living.

Anyway, being a ghost have its perks, like walk through walls, being invisible and fly, shape shifts or even possessing others body, and that's just some of the thing's you can do as a ghost, every ghost's are specialized in a specific skills, abilities or powers but be warned, you aren't the only ghost around and other ghosts aren't that friendly, unlike a certain friendly ghost.

You can haunt or scare those who has bullied on you in the past, stalks the one you have a crush on or even saves lives, it's up to you.