I think your time thing regarding the debt may be a bit broken due to the addition of the day and night cycle. The reason I think that is because before the day and night cycle it was working fine, but now when I sleep the day doesn't go down at all. I did faint to test if that would do anything and it did for a moment by making the day go to 0, but then when I left the inn it went back to 3 I also went to the shops too so it may have happened during that Also the debt collector (Forgot his name) seems to stay at the entrance after his introduction scene, but you can't interact with him I assume this is a bug since I can also walk over him.