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Morley's Debt

Compendium - Sources->Dungeons & Dragons->Ghosts of Saltmarsh

Morley’s Debt In a settlement somewhere close to Uskarn, a merchant named Davus Raal (LN male half-elf noble) contacts the party with an offer of employment. Raal offers a bounty if the characters

can track down Morley Tobe, a dwarf who absconded after failing to repay a 8,000 gp debt owed to Raal. The merchant found out that Morley fled to Firewatch Island (where he’s hiding in area 25) and is

Mahadi the Rakshasa

Monsters Baldur’s Gate: Descent into Avernus

signed on entry clearly stipulates their soul is forfeit. They’re required to pay off their debt through service. All such individuals fall under the effect of a geas cast as a 9th-level spell, which

cannot be willingly broken by the affected individual until their debt is paid in full. What Mahadi does with such defaulters depends on their capabilities. Some become indentured servants, working

Orzhov Representative

Backgrounds Guildmasters’ Guide to Ravnica

draw the blood of your enemies, or even directly touch their souls. Suggested Characteristics Members of the Orzhov Syndicate range from the decadent nobility at the top of the oligarchy to the debt

the flesh as long as possible, and as a spirit afterward. (Any) Bonds d6 Bond 1 The unbearable weight of my debt has driven me to desperation. 2 I’m duty-bound

Triton Legacy

Species Volo's Guide to Monsters

of truth. Few know of the tritons’ great victories over dreadful undersea threats. The tritons make little allowance for such ignorance and are delighted to expound upon the great debt others owe

creatures, but they also endure a sense of guilt over allowing the evils of the Plane of Water to enter the Material Plane and threaten its inhabitants. The tritons believe they owe a debt of honor to the

Criminal / Spy Legacy

Backgrounds Basic Rules (2014)

everyone. (Good) d6 Bond 1 I’m trying to pay off an old debt I owe to a generous benefactor. 2 My ill-gotten gains go to support my family. 3 Something

Hexblood

Species Van Richten’s Guide to Ravenloft

mark of the bargain between hag and hexblood, a debt owed, or a change to come. Hexblood Origins A bargain with a hag or other eerie forces transformed your character into a magical being. Roll on

Charlatan Legacy

Backgrounds Player’s Handbook (2014)

misdeeds but might never be able to forgive myself. d6 Flaw 1 I can’t resist a pretty face. 2 I’m always in debt. I spend my ill-gotten gains on decadent

Urchin Legacy

Backgrounds Player’s Handbook (2014)

. 3 I owe my survival to another urchin who taught me to live on the streets. 4 I owe a debt I can never repay to the person who took pity on me. 5 I escaped my life of poverty by

Tabaxi Legacy

Species Volo's Guide to Monsters

hand, which you constantly fidget with. 7 You are always in debt, since you spend your gold on lavish parties and gifts for friends. 8 When talking about something you’re obsessed

Courtier

Backgrounds Sword Coast Adventurer's Guide

looking for someone worthy. 3 I owe my guild a great debt for forging me into the person I am today. 4 I pursue wealth to secure someone’s love. 5 One day I will return to my

Red Wizards of Thay

Compendium - Sources->Dungeons & Dragons->Hoard of the Dragon Queen

tyrants, Red Wizards trade their magical inventions for steel, silk, and gold. As magical artificers of great skill, they command high prices, and are not afraid to extend credit—for there are few who could survive an unpaid debt to these wizards.

Why Do You Need 200 Gold Pieces?

Compendium - Sources->Dungeons & Dragons->Wayfinder's Guide to Eberron

resolved right now. This is entirely optional: As a player, you could choose to roll or select an option from the Debts table. Why would you possibly want to take on a debt? It’s a way to add depth to

may be a part of the story later on. Establishing a debt requires collaboration and approval by both player and DM. Work together to develop the details: who is blackmailing you? What’s this secret

Urban Bounty Hunter

Backgrounds Sword Coast Adventurer's Guide

take a trip down the Styx for all I care. (Neutral) 6 Redemption. There’s a spark of good in everyone. (Good) d6 Bond 1 I’m trying to pay off an old debt I owe

Life in Dayawlongon

Compendium - Sources->Dungeons & Dragons->Journeys through the Radiant Citadel

and curses the names of their enemy’s family. Debt of the Soul One of the cornerstones of Dayawlongo culture is the concept of utang ng loob, a debt of the soul. If someone saves another from mortal

peril or assists another at great cost to themself, a soul debt is formed between the people in question and their bloodlines. This debt holds throughout any number of generations until it is repaid

Favor of the Gloaming Court

Compendium - Sources->Dungeons & Dragons->Candlekeep Mysteries

. Though the queen does not deign to consider herself in the debt of mortals, she might bestow favors on them if asked, or she could become a powerful but unpredictable ally or patron.

Heir of Hags

Compendium - Sources->Dungeons & Dragons->Van Richten’s Guide to Ravenloft

unusual crown, often called an eldercross or a witch’s turn. This living, garland-like part of a hexblood’s body extends from their temples and wraps behind the head, serving as a visible mark of the bargain between hag and hexblood, a debt owed, or a change to come.

Red Wizards of Thay

Compendium - Sources->Dungeons & Dragons->Rise of Tiamat

tyrants, Red Wizards trade their magical inventions for steel, silk, and gold. As magical artificers of great skill, they command high prices, and are not afraid to extend credit—for there are few who could survive an unpaid debt to these wizards.

Smuggler

Backgrounds Ghosts of Saltmarsh

recover it. 2 I intend to become the leader of the network of smugglers that I belong to. 3 I owe a debt that cannot be repaid in gold. 4 After one last job, I will retire from the

Selesnya Initiate

Backgrounds Guildmasters’ Guide to Ravnica

public argument with an Izzet chemister, and neither of us is allowed back into that restaurant. 7 I paid off my debt to the Orzhov Syndicate, but my good friend was not so lucky and remains

Feature: Kept in Style

Compendium - Sources->Dungeons & Dragons->Sword Coast Adventurer’s Guide

, taverns, and festhalls you frequent are glad to record your debt and send an accounting to your family’s estate in Waterdeep to settle what you owe. This advantage enables you to live a comfortable

The Direct Approach

Compendium - Sources->Dungeons & Dragons->Keys from the Golden Vault

mandolin’s fly spell while Joster makes his own escape. “We’re Debt Collectors.” Sythian owes money to various loan sharks and banks. Characters who claim to represent one of these individuals or

“Sythian’s Suspicion” below). If the characters trick Sythian into believing they are debt collectors and demand a payment of no more than 200 gp, Sythian fetches the sum from his study (area C14) while

Everyone Has Regrets

Compendium - Sources->Dungeons & Dragons->Eberron: Rising from the Last War

table. Why would you want to take on a debt? The obligation adds depth to a character and provides a compelling, immediate motive for adventuring—you’re not just out to get rich; you need gold to get that

that membership in this organization may be a part of the story later on. Establishing a debt requires collaboration and approval by both player and DM. Work together to develop the details: Who’s

Urchin - Baldur's Gate

Backgrounds Baldur’s Gate: Descent into Avernus

owe my survival to another urchin who taught me to live on the streets. 4 I owe a debt I can never repay to the person who took pity on me. 5 I escaped my life of poverty by robbing an

Haughty Nobles

Compendium - Sources->Dungeons & Dragons->Volo's Guide to Monsters

dreadful undersea threats. The tritons make little allowance for such ignorance and are delighted to expound upon the great debt others owe them. Tritons also have a tendency to emerge from their isolation

Services

Compendium - Sources->Dungeons & Dragons->Planescape: Adventures in the Multiverse->Sigil and the Outlands

exterminators rid buildings of cranium rats, curses, and dangerous afflictions. Clandestine agencies offer escape from infernal debt collectors or other looming perils by killing their clients, keeping the

Staunch Champions

Compendium - Sources->Dungeons & Dragons->Volo's Guide to Monsters

the evils of the Plane of Water to enter the Material Plane and threaten its inhabitants. The tritons believe they owe a debt of honor to the world, and they will fight and die to pay it. At times their

The Dark Hunters

Compendium - Sources->Dungeons & Dragons->Out of the Abyss

and her mother have a quiet reunion. Zhora gravely promises the adventurers that she will repay the debt she owes them however she can.

Elves of Khorvaire

Compendium - Sources->Dungeons & Dragons->Wayfinder's Guide to Eberron

does that affect you? Did you know the parents or grandparents of another member of the party… and if so, might you be trying to repay a debt to that long-dead friend? Do you remember a time before the Last War? Did you fight in the war, and if so, for which side?

Benefactor

Compendium - Sources->Dungeons & Dragons->Xanathar's Guide to Everything

Benefactor Few rogues make it far in life before needing someone’s help, which means thereafter owing that benefactor a significant debt. If your character’s backstory doesn’t already include a

Lethal Leverage

Compendium - Sources->Dungeons & Dragons->Van Richten’s Guide to Ravenloft

adventurers. Once they have such leverage, the noble contact is no longer a friend, but rather the characters’ debt holder or blackmailer. Most such treacherous individuals try to ensure that threats or

Removing the Gold

Compendium - Sources->Dungeons & Dragons->Waterdeep: Dragon Heist

) asks the characters to give him 500 gp to cover a hefty gambling debt. If the characters refuse to give Floon the gold, he vanishes without a trace 1d10 days later. Volothamp Geddarm (see appendix B

reminds them that were it not for his starting them off on this adventure, they wouldn’t have the gold in the first place. Jelenn Urmbrusk, a Masked Lord in debt to Manshoon, requests an interest-free

Elves of the Five Nations

Compendium - Sources->Dungeons & Dragons->Eberron: Rising from the Last War

that might affect you. Did you know the parents or grandparents of another member of your party? Are you trying to repay a debt or fulfill a promise to that long-dead friend, or are you trying to

Clan Crafter

Backgrounds Sword Coast Adventurer's Guide

for someone worthy. 3 I owe my guild a great debt for forging me into the person I am today. 4 I pursue wealth to secure someone’s love. 5 One day I will return to my guild

Fisher

Backgrounds Ghosts of Saltmarsh

particular pond in the Feywild. 6 I must repay my village’s debt. D6 FLAW 1 I am judgmental, especially of those I deem homebodies or otherwise lazy. 2 I

Waterdhavian Noble

Backgrounds Sword Coast Adventurer's Guide

sufficient to cover most of your expenses; the inns, taverns, and festhalls you frequent are glad to record your debt and send an accounting to your family’s estate in Waterdeep to settle what you

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