Credit on The Sword Coast?

[OXHawkXO]

How does credit work on the Sword Coast? Let's say a merchant is willing to sell items on credit. Would there be a written contract? And if someone doesn't pay, can the merchant hire someone to hunt them down and make them pay? (Within server rules of course.) Can or would the merchant post there name to shame them into paying?

[grymhild]

I have a similar question about money lending.

Is it possible for a character to establish a recognized bank and money lending service, legal or illegal?

What are the laws regarding money lending in Baldurs Gate?

Are contracts legally recognized and binding, with legal recourse including but not limited to fines, forced repayment, seizure of property, forced labor or imprisonment for breach of contract?

(Things like this are described in detail about Waterdeep)

[DM Narshe]

Lending a service or selling on credit is a deal between players. NPCs will not offer such unless a DM supervises it, in which case it'll become that DMs duty to follow through.

Hiring someone to make them pay on their loans seems like a decent assassination contract (submitted to the DMs in such an event)

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<< Assassinations >>


If you hire someone to assassinate a player character, you must inform the DMs of this contract. You must inform the DMs in detail about why your character wants to have the target assassinated.

If you have been contracted to assassinate someone, you must inform the DMs of this contract. The DMs need to know who has hired you, who you are targeting, and how much you are being paid.

In order to ensure fair play, and to confirm that an assassination has occurred, a DM must be present whenever an assassination takes place. If a DM does not legitimize an assassination after one has occurred, it is not considered an official assassination, and the assassin in question is vulnerable to being punished for breaking the standard PVP rules.

An assassination attempt is a temporary suspension of the normal PVP rules. In other words, you can attack without an RP out. The proviso is that a DM must be present, in-game, for the attack, in order to bear witness to it, and explain the situation to the victim (the PC being assassinated).

If a DM is not present when an assassination is attempted, the attacker has violated PVP rules.

[OXHawkXO]

Thanks for the info.