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One of the debtors who has to pay up is Santiago, a smooth talker residing in a squatters camp near Freeside's East gate. He tries to talk his way out it by telling you that he's a VIP at the casino and offers you a password to get a discount at Mick & Ralph's. If you believe him and subsequently pay him for the password (with Barter skill for less). If you don't mind the standard prices at Mick & Ralph's, use force to get Francine's money like you were supposed to.
- If you don't get the money from Santiago, you will have to pay his debt (212 caps) yourself.
- Quest name from Fallout: New Vegas Official Game Guide