Debt Collector's Fee

The Debt Collector, a powerful creation of the Mechanus, appears behind the targeted humanoid creature. He then proceeds to determine the price of the creature's sins. The price of their sins is set as a number of gold coins, which are then divided by ten and then converted into hit points. Until the creature has lost this number of hit points, the debt collector will stay behind them, holding them back. While the Debt Collector is near them, every roll they make is reduced by 1d4. Any creature that is not a humanoid or has an intelligence less than 5 cannot be affected by him.