Immortal Descends: Curing My Mute Wife

There is a debt owed in the Celestial Realm, and the creditors chasing it are hunting him for it. Michael Coltrane, the immortal who owes it, gets away by taking the body of a gambler in the mortal world who carries the same name and is in his own trouble over money. His powers come back to him there. The body he has taken has a wife, Evelyn, who cannot speak, and he makes medicine that cures her. He wins a fortune buying uncut stones and betting on what is inside them, opens a clinic, shows up a man who had been treating patients as a doctor without being one, brings the local magnates round and pushes the gangs off. He and Evelyn live quietly for a while. Then the creditors come down from the Celestial Realm after him, bringing soldiers with them.