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Fallout: New Vegas Hints
Collect 212 caps from Santiago in Freeside.
1 of 4: You'll find Santiago in Freeside's first section, on the other side of the wrecked building that's across the street from Mick & Ralph's store.
2 of 4: Talk to him about his debt to the Garrets, then use threatening dialogue options to get him to hand 212 caps over.
3 of 4: If you want more caps, you can use a Speech 50 option that comes up during the threats. Or you can kill or pickpocket him.
4 of 4: NOTE: If you're also working on the "Wang Dang Atomic Tango" quest, you can skip collecting from Santiago by hiring him as a suave talker. However, that isn't the best way, even though you'll end up owing Francine Garret fewer caps.