After the first few times the lady showed up to collect the debt, she stopped coming.
The first time it still took the gold, but after that it doesn't take the gold out nor does she show up.
It would be nice if there is a way to actually pay the debt in full or meet them somewhere in the map to pay them ahead of time.
Also another bug, maybe? Samantha only has 1 scene, where the others get a second one once you get a 3rd heart.