Zadok has re-organized his business efforts in Umbar. Perhaps he can make it work after all.
'I have been thinking about how I could actually make a profit here in Umbar.
'Sure, the usual clientele are not used to the notion of debts, but with your help, I can set an example in the city and perhaps even The Gut!
'There is a proprietor here who took out a massive loan in hopes of striking it rich, same as me. They have a healthy reputation in the Gut. If we could set an example with such a figure, debts would surely be paid on time and with interest.'
Zadok has asked you to help him collect a debt from a respectable proprietor in the Gut.
You have bested the successful proprietor. You are free to collect his treasures.
You have the money that was promised to Zadok. You should return it to him.