Debt Collector
A professional who collects debts that the legal system will not touch.
A Debt Collector is a professional enforcer who collects outstanding debts on behalf of criminal organisations, black- market lenders, and anyone else whose debts cannot be resolved through Confederation courts. They are not soldiers; they are specialists in applied intimidation. Their tools are pain, fear, and the understanding that the alternative to paying is worse.
A Collector is an elite social/combat encounter: they prefer to collect without violence (violence is expensive and damages the collateral), but they are more than capable of taking the debt out of the debtor's hide. The lever is the debt itself -- pay it, and the Collector leaves.
Rules Reference
| Field | Value |
|---|---|
| Abilities / Cha | 16 |
| Abilities / Con | 14 |
| Abilities / Dex | 14 |
| Abilities / Int | 12 |
| Abilities / Str | 16 |
| Abilities / Wis | 12 |
| Armor Class | 16 |
| Base Attack Bonus | 5 |
| Creature Type | Humanoid |
| Flat Ac | 14 |
| Hd Count | 5 |
| Hd Sides | 10 |
| Hit Dice | 5d10+10 |
| Hit Points | 38 |
| Hp Bonus | 10 |
| Initiative | 2 |
| Languages | Trade Cant; Core Standard; one Rim dialect; criminal cipher |
| Psionics | None |
| Role Tags | Enforcer, Melee, Face |
| Saves / Fort | 7 |
| Saves / Ref | 5 |
| Saves / Will | 5 |
| Senses | Normal human vision; tracking implant grants +4 to Notice and Tracking for specific targets; passive Perception 15 |
| Size | M |
| Skills / Athletics | 10 |
| Skills / Deception | 8 |
| Skills / Intimidation | 14 |
| Skills / Notice | 9 |
| Skills / Persuasion | 11 |
| Skills / Sense Motive | 8 |
| Skills / Streetwise | 11 |
| Skills / Tracking | 9 |
| Speed | 30 |
| Threat Rating | 4 |
| Touch Ac | 13 |
| Xp | 700 |
| Dialogue Path | game/dialogue/npc-debt-collector.yaml |
Notes
Full Attack: Debt Pistol ranged +7 (1d8+2 energy; range 40 ft) or Brass Knuckles melee +8 (1d6+3 bludgeoning) or Restraint Cuffs melee +7 (1d4+2 bludgeoning; DC 15 STR or restrained)
Habitat: Rim stations, frontier settlements, black markets, and anywhere debts are owed. Found at a debtor's door, in a cantina negotiating, or in a back room applying pressure. Roll 1d6: 1-2 = Collector at a debtor's door (polite, firm, inevitable), 3-4 = Collector in a cantina (watching, waiting), 5-6 = Collector applying pressure (back room, brass knuckles).
Morale: Elite (12); the Collector disengages when the debt is paid, voided, or when the cost of collection exceeds the debt's value
Resistances: Armoured coat (included in AC; reinforced for close-quarters work), Tracking implant (included in senses; always knows where the debtor is)
Tactics: The Collector leads with Debt Enforcement to establish dominance, uses Reputation to amplify the social pressure, and negotiates for payment. If the debtor resists, the Collector uses Pain Compliance and Collateral Seizure. The Collector prefers non- lethal resolution (dead debtors do not pay) but will escalate to lethal force if the debtor becomes a threat. The Collector fights to the debt's terms -- pay, and they leave.
Treasure: Debt pistol (300 rek), brass knuckles (50 rek), restraint cuffs (100 rek), armoured coat (400 rek), tracking implant (1,000 rek), debt datapad (contracts, debtor lists; 500-2,000 rek to the right buyer), 4d10 rek in collected debts, personal effects (a ledger, a pen, a photograph of someone who did not pay).
Vulnerabilities: Debt-dependent (the Collector's authority comes from the debt; if the debt is paid or voided, the Collector has no reason to fight), Non-lethal preference (the Collector does not want to kill the collateral; they will use non-lethal options unless the situation demands lethal force), Employer-dependent (the Collector works for someone; if the employer is taken down, the Collector loses their contract)
Attacks
Debt Pistol
| Field | Value |
|---|---|
bonus | 7 |
category | ranged |
damage | 1d8+2 |
damageType | energy |
name | Debt Pistol |
notes | Heavy pistol; the Collector's tool of last resort |
rangeFt | 40 |
Brass Knuckles
| Field | Value |
|---|---|
bonus | 8 |
category | melee |
damage | 1d6+3 |
damageType | bludgeoning |
name | Brass Knuckles |
notes | Reinforced; the Collector's tool of first resort |
Restraint Cuffs
| Field | Value |
|---|---|
bonus | 7 |
category | melee |
damage | 1d4+2 |
damageType | bludgeoning |
name | Restraint Cuffs |
notes | Mag-lock; on a hit the target is restrained (DC 15 STR or Acrobatics to break) |
Special Abilities
Debt Enforcement
| Field | Value |
|---|---|
actionCost | Standard |
name | Debt Enforcement |
description: The Collector presents the debt to one creature within 30 ft. The target must make a DC 15 Will save or be Shaken for 1d4 rounds (the weight of the debt is real). If the target owes the debt, the save is at -4. Player-visible: the Collector holds up a datapad and reads the number. The number is always bigger than you remember.
Pain Compliance
| Field | Value |
|---|---|
actionCost | Standard |
name | Pain Compliance |
description: The Collector applies targeted pain to one creature within 5 ft. The target must make a DC 14 Fort save or be Stunned for 1 round. This is non-lethal; the Collector does not damage the collateral. Player-visible: the Collector knows exactly where to hit. The pain is precise and instructional.
Reputation
| Field | Value |
|---|---|
actionCost | passive |
name | Reputation |
description: The Collector's reputation precedes them. In Rim settings, the Collector gains +4 to Intimidation checks and +4 to Persuasion when negotiating debts. Creatures who have heard of the Collector (DC 12 Streetwise or local knowledge) take a -2 penalty to Will saves against the Collector's social abilities. Player-visible: the Collector walks in, and the room gets quiet.
Collateral Seizure
| Field | Value |
|---|---|
actionCost | Full-round |
name | Collateral Seizure |
description: The Collector seizes one item or asset from one creature within 5 ft as payment. The target must make a DC 14 Will save or comply (the legal weight of the debt contract is real). If the target resists, the Collector uses Pain Compliance. Player-visible: the Collector points at the item and says 'That will do. For now.'