This is a walkthrough of the Debt Collector side quest in Fallout New Vegas (FNV). Read on to learn how to unlock Debt Collector, where to find Francine Garret, the quest rewards, and the best dialogue choices for completing the Debt Collector side quest.

How to Unlock Debt Collector

Talk to Francine Garret

You can begin this side quest by talking to Francine Garret at the Atomic Wrangler in Freeside. She works the bar/front desk and if she isn't there, you will need to let time pass/sleep until 6:00 AM.

Interactive Map

Debt Collector Walkthrough

	Objectives
1	Talk to Francine Garret
2	Find and collect 250 caps from Lady Jane
3	Collect 138 caps from Grecks in Freeside
4	Collect 212 caps from Santiago in Freeside
5	Return to Francine with 600 caps
6	Kill Caleb McCaffery
7	Return to Francine with McCaffery's hat

Talk to Francine Garret

Talk to Francine Garret at the Atomic Wrangler to begin this quest. She will task you with collecting the debt from three individuals: Lady Jane, Grecks, and Santiago.

Santiago Is Excluded If He's Already Working At Atomic Wrangler

If you recruited Santiago to work at Atomic Wrangler during the side quest Wang Dang Atomic Tango, he won't be included in this side quest. Francine will mention that they will just collect the debt from his earnings.

Wang Dang Atomic Tango Side Quest Walkthrough

Find and Collect 250 Caps from Lady Jane

Follow your compass to The Strip North Gate where you can find Lady Jane near the bench on the right.

Pass The Skill Checks

If you have a Speech or Barter of 40, you can get her to give you 156 caps along with some items to cover the missing caps. If you have the Lady Killer perk or a Perception of 7, you can select those choices instead as you can get her to stop lying and give you all 250 caps.

Retrieve The Caps From Her Caravan

If you can't pass any of these checks, you can volunteer to get the caps from her caravan. Head to the marker on the minimap to the Broc Flower Cave. There will be Giant Rats inside so prepare to fight but once you find the caravan you will walk away with 276 caps.

Collect 138 Caps from Grecks in Freeside

Follow your compass to Grecks in Freeside and talk to him. He'll hand over all the caps easily but you can coerce him to get even more caps as well as his clothes.

Collect 212 caps from Santiago in Freeside

You can find Santiago by following your compass to the building in front of Mick & Ralph's. Talk to Santiago and select the dialogue that punches him or threatens to kill him and you can get 212 caps. If you have 50 Speech, you can pass the skill check instead and get 256 caps.

Objective Isn't Included If Santiago Is Already Working At Atomic Wrangler

If you recruited Santiago to work at Atomic Wrangler, this objective won't be included in this side quest. Francine will talk about this when you first start talking to her and mentions that they will just collect the debt from his earnings.

Return to Francine with 600 caps

Head back to the Atomic Wrangler and talk to Francine. She'll task you with killing Caleb McCaffery, located in The Strip.

If Santiago is already working at Atomic Wrangler, his debt won't be included in this number bringing down the total to just 388 caps.

Kill Caleb McCaffery

Enter The Strip and talk to Caleb where you'll have a choice of killing or sparing him.

Should You Kill Or Spare Caleb? ▼

Return to Francine with McCaffery's Hat

Head back to the Atomic Wrangler and give the hat to Francine to complete this side quest.

Best Choice for Debt Collector

Kill Caleb McCaffery

While you can pass the skill check and convince Caleb to give you his hat along with 57 caps, we recommend just killing him as this lets you loot all his items which include 165 caps along with his hat. You won't have to give the caps to Francine since she only asked for his hat.

Debt Collector Rewards

List of Rewards

Rewards for Completing Debt Collector
・600 XP ・300 Caps ・Player housing at the Atomic Wrangler Casino

Debt Collector Information

Basic Information and Overview

Basic Information
Location	Quest Giver	Coordinates
Atomic Wrangler	Francine Garret	2C.06
Difficulty	Follower	Reputation
★★★☆☆	-	Fame: Freeside

Fallout New Vegas Related Guides

List of All Side Quests

List of Side Quests

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Anywhere 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
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
Left My Heart	Medical Mystery	No, Not Much
Pressing Matters	Restoring Hope	Return to Sender
That Lucky Old Sun	There Stands the Grass	Three-Card Bounty
You Can Depend on Me

Legion Side Quests

Cold, Cold Heart	I Hear You Knocking	The Finger of Suspicion
We Are Legion

Freeside and The Strip Side Quests

Beyond the Beef	Birds of a Feather	Bye Bye Love
Classic Inspiration	Debt Collector	G.I. Blues
How Little We Know	Talent Pool	Wang Dang Atomic Tango

Other Faction-Related Side Quests

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Tend to Your Business (Brotherhood of Steel)	Ghost Town Gunfight (Goodsprings)	Run Goodsprings Run (Goodsprings)
Aba Daba Honeymoon (Great Khans)	Don’t Make a Beggar of Me (Great Khans)	Oh My Papa (Great Khans)
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Why Can’t We Be Friends? (Powder Ganger)

Companion Unlock Side Quests

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Neutral Side Quests

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Wheel of Fortune