A scoundrel’s life of carousing, philandering, socializing, and rabble rousing has caused your path to cross with many people… some of which owe you. The first time that you visit a city or a town, there is a fifty percent chance one of those people live there and – for reasons discussed with the DM – owe you up to 10 GP worth of equipment or services listed in Chapter 6 of the Players Handbook. However, there is also a fifty percent chance that you owe someone that lives there, and it is up to the DM to determine who that is and what you owe them.
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