December 8, 2023

Divinity Original Sin 2 Debt Collector: How to Deal with Them

Debt collectors in Divinity Original Sin 2 can be quite a headache, especially if you’re not sure how to deal with them. These NPCs will come after you if you owe money to a particular vendor or merchant, and failing to pay them back can lead to some pretty unpleasant consequences. Fortunately, there are several strategies you can use to deal with debt collectors effectively and avoid getting into deeper trouble.

Understand How Debt Collectors Work

Before we dive into the strategies, it’s essential to understand how debt collectors work in Divinity Original Sin 2. These NPCs are typically hired by merchants or vendors to recover debts from their customers. If you owe money to a vendor and fail to repay it within a specified time, a debt collector will show up and demand payment. If you refuse to pay, they will attack you, and the debt will increase.

Pay Your Debt

The most obvious way to deal with a debt collector is to pay your debt promptly. As soon as you receive a debt notice, head to the vendor and pay back what you owe. This will prevent the debt collector from coming after you and save you the trouble of having to deal with them. If you’re short on cash, consider selling some of your items or completing some quests to earn some extra gold.


Negotiate with the Debt Collector

If you can’t pay your debt right away, you can try negotiating with the debt collector. Talk to them and see if you can work out a payment plan or come to a compromise. Keep in mind that debt collectors aren’t typically interested in anything other than getting their money back, so you’ll need to be persuasive. If you can convince them that you’re good for the debt, they may agree to let you off the hook or give you some extra time to pay.

Fight the Debt Collector

If negotiating doesn’t work, you may have to fight the debt collector. Keep in mind that they’re usually tough opponents, so be prepared for a challenging battle. You can use spells and abilities to weaken and debuff them, make use of terrain and environmental hazards, and focus your attacks on one target at a time. If you manage to defeat the debt collector, you’ll be free of the debt, and you may even get some loot as a reward.

Avoid Debt Collectors

The best way to deal with debt collectors is to avoid them altogether. This means paying your debts on time, avoiding vendors or merchants that you can’t afford to pay, and being careful with your spending. If you’re short on cash, consider completing quests, selling items, or exploring new areas to find new opportunities to earn gold. By being careful and responsible with your money, you can avoid getting into debt and prevent debt collectors from coming after you.


Debt collectors in Divinity Original Sin 2 can be a hassle, but they’re not unbeatable. By understanding how they work and following the strategies above, you can deal with them effectively and avoid getting into deeper trouble. Remember to pay your debts on time, negotiate when possible, fight when necessary, and avoid getting into debt in the first place. With these tips, you’ll be able to keep your gold safe and enjoy all that Divinity Original Sin 2 has to offer.

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