And so far as this debt is concerned, and as part of the consideration thereof, I do hereby waive all right which I or either of us have under the Constitution and Laws of this or any other State to claim or hold any personal property exempt to me from levy and sale under execution. And should it become necessary to employ an attorney in the collection of this debt I promise to pay all reasonable attorney's fees charged therefor.

Attest:C. W. James. his
A. T. Jones. JohnX.Smith.
mark.

The possibility of extortion which this method makes possible is evident.

It is worth while also to reproduce a copy, actual with the exception of the names, of one of the blanket mortgages often given. The italics are mine.

The State of Alabama,
Lowndes County.

On or before the first day of October next I promise to pay Jones and Co., or order, the sum of $77.00 at their office in Fort Deposit, Alabama. And I hereby waive all right of exemption secured to me under and by the Laws and Constitution of the State of Alabama as to the collection of this debt. And I agree to pay all the costs of making, recording, probating or acknowledging this instrument, together with a reasonable attorney's fee, and all other expenses incident to the collection of this debt, whether by suit or otherwise. And to secure the payment of the above note, as well as all other indebtedness I may now owe the said Jones and Co., and all future advances I may purchase from the said Jones and Co. during the year 1900, whether due and payable during the year 1900 or not, and for the further consideration of one Dollar to me in hand paid by Jones and Co., the receipt whereof I do hereby acknowledge, I do hereby grant, bargain, sell and convey unto said Jones and Co. the entire crops of corn, cotton, cotton seed, fodder, potatoes, sugar cane and its products and all other crops of every kind and description which may be made and grown during the year 1900 on lands owned, leased, rented or farmed on shares for or by the undersigned in Lowndes County, Alabama, or elsewhere. Also any crops to or in which the undersigned has or may have any interest, right, claim or title in Lowndes County or elsewhere during and for each succeeding year until the indebtedness secured by this instrument is fully paid. Also all the corn, cotton, cotton seed, fodder, peas, and all other farm produce now in the possession of the undersigned. Also all the live stock, vehicles and farming implements now owned by or furnished to the undersigned by Jones and Co. during the year 1900. Also one red horse "Lee," one red neck cow "Priest," and her calf, one red bull yearling. Said property is situated in Lowndes County, Alabama. If, after maturity, any part of the unpaid indebtedness remains unpaid, Jones and Co., or their agents or assigns, are authorized and empowered to seize and sell all or any of the above described property, at private sale or public auction, as they may elect, for cash. If at public auction, before their store door or elsewhere, in Fort Deposit, Alabama, after posting for five days written notice of said sale on post office door in said town, and to apply the proceeds of said sale to the payment, first of all costs and expenses provided for in the above note and expense of seizing and selling said property; second, to payment in full of debt or debts secured by said mortgage, and the surplus, if any, pay to the undersigned. And the said mortgagee or assigns is hereby authorized to purchase at his own sale under this mortgage. I agree that no member of my family, nor anyone living with me, nor any person under my control, shall have an extra patch on the above described lands, unless covered by this mortgage; and I also agree that this mortgage shall cover all such patches. It is further agreed and understood that any securities held by Jones and Co. as owner or assignee on any of the above described property executed by me prior to executing this mortgage shall be retained by them, and shall remain in full force and effect until the above note and future advances are paid in full, and shall be additional security for this debt. There is no lien or encumbrance upon any property conveyed by this instrument except that held by Jones and Co. and the above specified rents. If, before the demands hereby secured are payable, any of the property conveyed herein shall be in danger of (or from) waste, destruction or removal, said demands shall be then payable and all the terms, rights and powers of this instrument operative and enforceable, as if and under a past due mortgage.

Witness my hand and seal this 10th day of January, 1900.

Attest:B. C. Cook. Sam Small. L. S.
R. J. Bennett.

It may be granted that experience has shown all this verbiage to be necessary. In the hands of an honest landlord it is as meaningless as that in the ordinary contract we sign in renting a house. In the hands of a dishonest landlord or merchant it practically enables him to make a serf of the Negro. The mortgage is supposed to be filed at once, but it is sometimes held to see if there is any other security which might be included. The rascally creditor watches the crop and if the Negro may have a surplus he easily tempts him to buy more, or more simply still, he charges to his account imaginary purchases, so that at the end of the year the Negro is still in debt. The Negro has no redress. He can not prove that he has not purchased the goods and his word will not stand against the merchant's. Practically he is tied down to the land, for no one else will advance him under these conditions. Sometimes he escapes by getting another merchant to settle his account and by becoming the tenant of the new man. When it is remembered that land is abundant and good labor rare, the temptation to hold a man on the land by fair means or foul is apparent. Moreover, the merchant by specious reasoning often justifies his own conduct. He says that the Negro will spend his money at the first opportunity and that he might just as well have it as some other merchant. I would not be understood as saying that this action is anything but the great exception but there are dishonest men everywhere who are ready to take advantage of their weaker fellows and the Negro suffers as a result, just as the ignorant foreigner does in the cities of the North.

The interest may also be reckoned into the face of the mortgage. In any case it begins the day the paper is signed, although the money or its equivalent is only received at intervals and a full year's interest is paid, often on the face of the mortgage, even if only two-thirds of it has actually been advanced to the Negro, no matter when the account is settled. The helplessness of the Negro who finds himself in the hands of a sharper is obvious when that sharper has practical control of the situation. In many and curious ways the landlord seeks to hold his tenants. He is expected to stand by them in time of trouble, to protect them against the aggressions of other blacks and of whites as well. This paternalism is often carried to surprising lengths.