Description: You must pay off a massive debt of money over the course of the game. This debt is equal to 5000 x your level, and cannot be paid off during character creation. If you refuse to pay the debt, you will be hunted by enemies that are at a minimum 1 level lower than you.
Each level increase, if your debt isn't paid off, the amount of money owed is reset to baseline using the new level for the multiplication. If the debt collector is killed or paid off, you lose this trait. The debt collector is a character 4 levels higher than you (maximum 20th level).