MONETARY DEBT
Your character owes a relatively huge sum of money to a powerful NPC that expects repayment. Although it’s understood that your character will pay in installments as his adventuring career proceeds, those installments had better be generous and steady. The NPC is merely firm and unfriendly (disapproving noble, relatively honorable moneylender) by default.
[2 Pts.]
Moderate Debt: The debt owed is 5,000 GP. This sum must generally be paid off by the garnishing of no less than half of what a character brings in (although he can always pay the debt off faster if he wishes). Anything less will displease the character’s creditor, and your character does not want that to happen.
[4 Pts.]
Substantial Debt: The debt owed is 12,000 GP. This sum must generally be paid off by the garnishing of no less than half of what a character brings in (although he can always pay the debt off faster if he wishes). Anything less will displease the character’s creditor, and your character does not want that to happen.
[6 Pts.]
Huge Debt: The debt owed is 25,000 GP. This sum must generally be paid off by the garnishing of no less than half of what a character brings in (although he can always pay the debt off faster if he wishes). Anything less will displease the character’s creditor, and your character does not want that to happen.
Special Handicap:
[Vicious Creditor, +1 Pt.]
Your character’s creditor is a violent and evil individual (crime boss, master thief, evil wizard, unscrupulous usurer with criminal contacts), totally unwilling to accept delays or excuses for payment and positively eager to send out “legbreakers” to assist in timely collection. Delaying or defaulting on repayment can have a variety of consequences. If the creditor is the shady sort, he’ll send assassins and enforcers after your character and his friends. If the creditor has legitimate authority or power, he may initiate social consequences or legal proceedings.

If your character fails to make one or more of his regular payments, or somehow displeases his creditor without entirely defaulting on the repayment, compound interest may begin to accrue on what he still owes and a new repayment schedule may be forced upon him.

Special: Owing money is never pleasant but in the roleplay system the amount of money someone owes doesn't actually represent true debt or loss. It is instead a manner to validated favors owed. Favors are can pay off certain amounts of debt.