You make it your mission in life to make Deals with those in need, to grant favors to those needing a hand. Your Day to Day life consists of Trades, Deals, Favors, Wagers, and good old fashion Good Deeds. Because of this you run into people all over that are in debited to you, and some that will avoid you because of the debt that is owed. Occasionally you need favor, or make a deal that puts you in debt to someone else, this could be something you did for your benefit, or deal you made to save your skin, or it could be part of a chain of deals to make good on another arrangement with someone else... It matters not. A Deal is a Deal and it need to be Honored.... (maybe not today, but it will need to be honored) The Dealer is always in the public eye, and his reputation relies on a positive image. Its ok to make a Deal with the Devil, just make sure you never let a deal go unpaid by either party involved.
1d20 (+1 every 2 levels starting at level 2, (ig: 2,4,6..), max is +10 @level 20)
Opponent Saving Throw (Charisma)
DC You Owe
-----------------------
Very easy 5 | 3
Easy 10 | 5
Medium 15 | 8
Hard 20 | 10
Very hard 25 | 13
Nearly impossible 30 | 15
X X X - - - Y Y Y Y Y Y Y Y Y Y Y Y Y Y = Very Easy (Level 6 = Never Owe )
X X X X X - - - - - Y Y Y Y Y Y Y Y Y Y = Easy (Level 10 = Never Owe )
X X X X X X X X - - - - - - - Y Y Y Y Y = Medium (Level 16 = Never Owe)
X X X X X X X X X X - - - - - - - - - - = Hard (Level 20 = Never Owe)
X X X X X X X X x X X X X - - - - - - - = Very Hard
X X X X X X X X X X X X X X X - - - - - = Nearly Impossible