I'd prefer you not to kill anyone with a debt. It's a bit difficult to collect on a corpse.Francine Garret

Debt Collector is a side quest in Fallout: New Vegas.

Quick walkthroughEdit

Side Quest: Debt Collector
Talk to Francine Garret.
Collect Grecks debt.
Collect Santiago's debt.
Coerce Lady Jane in to giving you her debt through a Speech, Barter, Perception check or from Lady Killer.
Find Lady Jane's caravan and collect the caps she owes from the remains.
Return to Francine.
Kill Caleb McCaffery, taking his hat and caps from his corpse.
Convince Caleb McCaffery to give you his stolen caps and hat through a speech check.
Return to Francine.
Reward: 600 XP
300 caps
Player housing at the Atomic Wrangler casino
Leads to: Hat's Entertainment

Detailed walkthroughEdit

Talk to Francine Garret at the Atomic Wrangler, and ask if she needs any work done. She will inform the Courier that there are three individuals in Freeside that owe the casino caps. In total it will be 600 caps owed, and the player character will gain 150 caps if they return the caps to Francine (300 with a Speech or Barter check of 50). The three individuals are Grecks, Santiago, and Lady Jane. It is also possible for the player character to pay off the dept them self.

  • Grecks is located behind the Old Mormon Fort. He will hand over the money with either a Speech check or a punch to the face (through dialogue). A second Speech check of 40 or higher will net additional caps, and a third of 60 will cause him to give the clothes off his back (negative Karma).
  • Santiago is located behind the collapsed building opposite Mick & Ralph's. He will try to talk his way out of it, but revealing that there is a bounty on his head or punch him in the face will get him to pay up. He will give additional caps with a Speech check. If the player character has the Wang Dang Atomic Tango quest also active at the same time, one can convince him to work off his debt at the Atomic Wrangler, also completing the suave talker portion of that quest. Doing this, one will only have to return to Francine with the 388 caps from the other 2, but will still get the full reward for collecting the debts (150 or 300 caps, depending on the earlier barter check).
  • Lady Jane is located to the right of The Strip North Gate. The money can be obtained through a Speech Check of 40, a Barter check of 40, or the Lady Killer perk. With a Perception of 7 or higher, The player character will be able to tell she is lying and get the caps. One could also ask for other things to help pay off the debt. Doing this results in her handing over 156 caps and 94 caps worth of sensor modules and cartons of cigarettes (neither killing or pickpocketing her at this stage of the quest will work. Doing either would result in one having to collect caps from her caravan). Failing that, she will direct the player character to the caravan she lost in the broc flower cave, good loot can be found further into the cave. The player character can also fail all checks and another option will show up for threatening her. She will ask the player character to tell the Garrets she is dead, to which one can reply that they do not like liars. Choosing this option will turn her hostile, allowing the player character to kill her and collect the 256 caps (she will have a bag of bottle caps on her corpse).
    • If the cave has been entered before receiving this quest, Jane's brahmin will not be in the there.
    • The brahmin will not spawn until one agrees to retrieve the debt this way.

Once these three are taken care of, Francine will have a fourth assignment. Her former collector, Caleb McCaffery, skipped town with a large sum of caps, and she wants him dead. His hat needs to be taken as proof.

  • Caleb is in the Strip, in the first section near the gate to the second. With a Speech check of 40, he will give the player character his hat and the stolen caps. Otherwise, one will need to kill him for it. Note that the entrance to the Strip will require possessing at least 2000 caps (not as payment, but merely checked against as a minimum necessary value), a passport, or pass a Science check of 80. Alternatively, one can simply use the monorail if they are in good standing with the NCR and have not let it be destroyed in I Put a Spell on You.
    • On consoles, a major bug may render the game essentially unbeatable if Caleb is killed. See the Bugs section.


Bringing the hat back to Francine will finish the quest, earning caps and Freeside Fame Reputation.

Quest stagesEdit

10 Collect 138 caps from Grecks in Freeside.
20 Collect 212 caps from Santiago in Freeside.
30 Collect 250 caps from Lady Jane.
40 (Optional) Find Lady Jane's caravan and collect caps from the remains.
50 Return 600 caps
55 Return 388 caps
60 Kill Caleb McCaffery
80 Return to Francine with McCaffery's hat.
100Icon checkI turned in McCaffery's hat to Francine and received my reward.


  • Xbox 360Icon xbox360 If you finished the first part of the quest and returned with the caps to Francine Garret, you may be able to get double the caps. When you get to Santiago, ask about the free vip and his discount with Ralph's brother. Later on you will find out it was a fake but will be unable to bring it up again to Santiago if you collected the caps. Before killing the twins' old bounty hunter, do James Garret's quest on more hookers. Once you go back to Santiago you have the option to tell him about his fake discount. Once you finish that part you can now chase after their old bounty hunter. Get his hat and return to Francine Garret. She will bring about the old quest you already finished and give you the reward again. [verified]
  • PCIcon pc Playstation 3Icon ps3 Xbox 360Icon xbox360 If you have already completed the quest Wang Dang Atomic Tango and hired Santiago as the suave talker, there is a possible bug that you will not be able to talk to Santiago to collect the chips. It's still possible to complete the quest by pickpocketing the bag of bottle caps off of him. [verified]
  • Playstation 3Icon ps3 Xbox 360Icon xbox360 Upon completing this quest and killing McCaffery, any attempts on re-entering the Strip will result in a black screen crash and the autosave corrupting (some users have reported The Strip door also requiring a key). To fix the black screen crash, wear the Old cowboy hat (or even Caleb McCaffery's hat) that you can find at Crimson Caravan's store (it's near a bunch of first aid boxes). Wearing it before entering The Strip from Freeside will stop the game from crashing. The key-requirement for The Strip gate can easily be solved by taking the NCR monorail in Camp McCarran to the Strip, and then opening the gate from the inside. If you cannot use the monorail, stealthily kill one of the Securitron guards near the gate and loot the key from its corpse. [verified]
    • To avoid the black screen crash, try not to decapitate Caleb; if McCaffery's body is intact when you remove the hat and other items from it, the visual of the hat disappears from the corpse. It is unclear why this was occurring but when his head separated from the rest of the corpse, the image of the hat on McCaffery's head remained even when his corpse was looted, causing the bug above.
  • Xbox 360Icon xbox360 When asked to kill McCaffery, there's a possible bug where you will be unable to select any dialogue options. (Pressing Start when this happens will fix it) [verified]
  • Playstation 3Icon ps3 Xbox 360Icon xbox360 Following closure of the dialogue when asked to kill McCaffery, he may be involved in a firefight inside the Atomic Wrangler. He will appear friendly in V.A.T.S. and be fighting with Wrangler staff. You can kill him here and get the reward before entering the Strip. [verified]
  • Xbox 360Icon xbox360 If Caleb McCaffrey is the first bounty you get and complete by passing a speech check, returning to Francine Garret will complete the mission without having to find Grecks and Lady Jane. [verified]
    • PCIcon pc If you go after Caleb McCaffery before Lady Jane, you complete the quest. However, his room does not become yours, despite Francine awarding it to you; all items in it are still 'owned' by someone else and you cannot sleep in the bed. [verified]
  • Xbox 360Icon xbox360 In some cases, there is a bug that if you kill Caleb McCaffrey before you start this quest, you will not be able to complete it or if you pick up McCaffrey's hat, you won't be able to drop it, as it will still be marked as a quest item. [verified]
  • PCIcon pc Playstation 3Icon ps3 Xbox 360Icon xbox360 The player may be unable to ever open dialogue with Lady Jane. (Attempting to simply triggered a passive statement about ED-E) Repeated attempts caused her to repeat the statement. This can be very problematic and render the quest unable to be completed without killing or pickpocketing her. No known fix as of yet, reloading a save or re-entering the cell does not work. [verified]
  • PCIcon pc Playstation 3Icon ps3 Xbox 360Icon xbox360 It's possible to turn in the quest with Francine before it's finished and thereby adding Caleb McCaffrey to the existing questline but at the same time making it impossible to talk to Lady Jane. [verified]
  • PCIcon pc You should not do this quest and Wang Dang Atomic Tango at the same time. Otherwise, you can only return 388 caps to Franchine, it's 250 from Jane and 138 from Grecks. The game will assume that you didn't collect money from Santiago. [verified]
    • This bug does not always happen, or perhaps it was fixed in a more recent patch.
  • PCIcon pc Xbox 360Icon xbox360 Even if you finished the quest, the items in the room still owned by another person. You can only sleep in the bed for free. [verified]
  • Playstation 3Icon ps3 Santiago sometimes will disappear and is nowhere to be found, or he will be found dead and his bottle caps won't be on his body. [verified]
  • PCIcon pc If you get the caps from Lady Jane with Lady Killer perk after you talked about her caravan, finding Jane's caravan will be still an optional quest. However sometimes the brahmin will not spawn, thus leaving you without the extra caps. The side-quest can be still completed without the optional side-quest. [verified]
  • PCIcon pc Playstation 3Icon ps3 Xbox 360Icon xbox360 If you kill Santiago after receiving his debt, the journal entry 'Collect 212 caps from Santiago' will uncheck, and a quest marker will appear on his body. You can, however, still complete the quest normally by turning in 600 caps to Francine and dealing with McCaffrey afterwards. [verified]
  • PCIcon pc Sometimes Jane's brahmin does not spawn. To fix this with the console, type player.placeatme 00116af4 1. This will spawn the brahmin alive, which can then be killed and its body looted.[verified]
  • PCIcon pc Xbox 360Icon xbox360 There might be a chance of finishing this quest twice and getting the reward twice by returning the 388 caps (250 from Jane and 138 from grecks) and then returning 600 caps to Francine by getting all caps plus going to Lady Jane's caravan and getting the caps from there, the player will first give the 300 caps and get the reward then give the 600 caps and get the reward once more, after giving the caps the first time the option to say you completed the debt collecting will still be available and will give you the opportunity to return the next pack of caps.[verified]


Main quests
Act 1Ain't That a Kick in the Head · Back in the Saddle · By a Campfire on the Trail · They Went That-a-Way · Ring-a-Ding-Ding!
Act 2Wild Card (Wild Card: Ace in the Hole, Change in Management, You and What Army?, Side Bets, Finishing Touches) · The House Always Wins (I, II, III, IV, V, VI, VII, VIII) · Render Unto Caesar · Et Tumor, Brute? · Things That Go Boom · Kings' Gambit · For the Republic, Part 2 · You'll Know It When It Happens/Arizona Killer
Act 3No Gods, No Masters · All or Nothing · Veni, Vidi, Vici · Eureka!
Side quests
New California RepublicAnywhere I Wander · Back in Your Own Backyard · Bitter Springs Infirmary Blues · Boulder City Showdown · Can You Find it in Your Heart? · Climb Ev'ry Mountain · Don't Tread on the Bear! · Emergency Radio · Eye for an Eye · Flags of Our Foul-Ups · Hard Luck Blues · I Don't Hurt Anymore · I Put a Spell on You · Keep Your Eyes on the Prize · Medical Mystery · No, Not Much · Pressing Matters · Restoring Hope · Return to Sender · That Lucky Old Sun · The White Wash · There Stands the Grass · Three-Card Bounty · We Will All Go Together · You Can Depend on Me
Caesar's LegionBeware the Wrath of Caesar! · Caesar's Favor · Caesar's Foe · Caesar's Hire · Cold, Cold Heart · I Hear You Knocking · The Finger of Suspicion · We Are Legion
The StripBeyond the Beef · Bye Bye Love · Classic Inspiration · How Little We Know · Pheeble Will · Talent Pool · The House Has Gone Bust! · The Moon Comes Over the Tower
Freeside & Outer VegasBirds of a Feather · Bleed Me Dry · Debt Collector · G.I. Blues · High Times · Someone to Watch Over Me · The Coyotes · Wang Dang Atomic Tango
BoomersAnt Misbehavin' · Sunshine Boogie · Volare! · Young Hearts
Great KhansAba Daba Honeymoon · Cry Me a River · Don't Make a Beggar of Me · Oh My Papa
Powder GangBooted · I Fought the Law · Run Goodsprings Run · Why Can't We Be Friends?
Brotherhood of SteelEyesight to the Blind · Still in the Dark · Tend to Your Business
OtherCome Fly With Me · Crazy, Crazy, Crazy · Ghost Town Gunfight · Guess Who I Saw Today · Left My Heart · My Kind of Town · The Legend of the Star and A Valuable Lesson · Unfriendly Persuasion · Wheel of Fortune
Companion questsED-E My Love · For Auld Lang Syne · Heartache by the Number · I Could Make You Care · I Forgot to Remember to Forget · Nothin' But a Hound Dog · One for My Baby
Unmarked questsA Bit of Slap and Tickle · A Final Plan for Esteban · Access Powers · All Fired Up! · An Ear to the Ground · Andy and Charlie · Arizona Scavenger · Barton the Fink · Bear Necessities · Big Winner (Atomic Wrangler, The Gomorrah, The Tops, Ultra-Luxe, Vikki & Vance) · Bounty Killer (I, II) · Brotherhood Bond (I, II) · Caching in at the Cove · Cajoling a Cudgel · Claws Mended · Claws Out · Dealing with Contreras · Defacing the Humble Stone · Democracy Inaction · Don't Poke at the Bear! · Eddie's Emissary · Exhumin' Nature · Fight Night · Flogging a Dead Corpse · Friend of the Followers · Gland for Some Home Cooking · Harder, Better, Faster, Stronger · Hat's Entertainment · Help for Halford · Hidden Valley computer virus · Highway to the Danger Zone (I, II) · Honorary Rocketeer · I Love Bananas · Iron and Stealing · Keith's Caravan Charade · Laurifer Gladiator · Lenk's Bad Debts · Lily and Leo · Long-Term Care · Malleable Mini Boomer Minds · Maud's Muggers · Meeting an Equal · Missing a Few Missiles · Most Wanted · Not Worth a Hill of Corn and Beans · Old School Ghoul · A Pair of Dead Desperados (I, II) · Papers, Please · Pistol Packing · Playing on the Old Joana · Poor Meat Never Makes Good Soup · Powder to the People · Power to the People · Razzle Dazzle! · Reach for the Sky, Mister! · Rest and Resupply · Ringo's Caravan Rules · Rotface's Loose Lips · Saving (or Savaging) Sergeant Teddy · The Screams of Brahmin · Silus Treatment · Short-Term Treatment · Smooth-Talking Criminal · The Star Showdown · Strategic Nuclear Moose · Straus Calls · Strip Search · Suits You, Sarah · Tags of Our Fallen · A Team of Moronic Mercenaries · Thought for the Day · Tourist Traipse · Trudy's Radio Repair · A Trusted Aide · Useless Baubles or Fancy Trinkets? · We Must Stop Beating Like This · We Must Stop Meeting Like This · Wind-Brahmin Wrangler · You Gotta Break Out a Few Eggs · You Make Me Feel Like a Woman
Add-on quests
Dead MoneySierra Madre Grand Opening! · Find Collars (8: "Dog", 12: Christine, 14: Dean Domino) · Fires in the Sky · Strike Up the Band · Mixed Signals · Trigger the Gala Event · Put the Beast Down · Last Luxuries · Curtain Call at the Tampico · Heist of the Centuries · Big Winner, Sierra Madre
Honest HeartsA Family Affair · Arrival at Zion · Bighorners of the Eastern Virgin · Chaos in Zion · Civilized Man's Burden · Crush the White Legs · Deliverer of Sorrows  · Departing Paradise · Flight from Zion · Gathering Storms · Gone Fishin' · Happy Trails Expedition · Prisoners of War · Retake the Bridge · River Monsters · Rite of Passage · Roadside Attraction · Sanctity of the Dead · The Advance Scouts  · The Treacherous Road · The Grand Staircase · Tourist Trap
Old World BluesAll My Friends Have Off Switches · A Brain's Best Friend · Coming Out of Her Shell · Field Research · He Came... And Went · Influencing People · Midnight Science Fiction Feature! · Old World Blues · On the Same Wavelength · Picking Your Brains · Project X-13 · Sonic Emitter Upgrade · Welcome to the Big Empty · What's in a Name? · When Visitors Attack! · X-2: Strange Transmissions! · X-8 Data Retrieval Test · X-8: High School Horror! · X-13: Attack of the Infiltrator!
Lonesome RoadThe Reunion · The Silo · The Job · The Launch · The Tunnelers · The Divide · The Courier · The End · The Apocalypse
Community content is available under CC-BY-SA unless otherwise noted.

Fandom may earn an affiliate commission on sales made from links on this page.

Stream the best stories.

Fandom may earn an affiliate commission on sales made from links on this page.

Get Disney+