Mr. Payne, who was untrained in business ways, met with financial reverses, and in his troubles was aided by a young lawyer of wealth named John Tod, also a member of the Society of Friends. This young man, who had fallen in love with Dollie, showed Mr. Payne much kindness, finally obtaining his consent to ask his daughter's hand in marriage. When he proposed to Dorothy, however, she replied that she "never meant to marry." But her father was ill at the time, and to please him, Dorothy, like the dutiful daughter she had always been, consented, and so had the satisfaction of making her father happy for the remaining few months of his life.
After her marriage, Dollie lived for three years the life of a Quaker matron, devoting herself to her husband, her home, and her two babies. Then an epidemic of yellow fever broke out, and John Tod sent Dollie and the babies away from the city while he remained to look after his parents, who were both dying of the fever.
As soon as he could leave, and already ill, he hastened to his wife and children. Mrs. Payne, Dollie's mother, opened the door for him. "I feel the fever in my veins," he gasped, "but I must see her once more!" In a few hours, he and one of the babies were dead. Dollie herself was then stricken, and fatally, it was believed. She recovered, however, and taking with her the remaining child, a boy whom she had named John Payne after her father, Dollie went to her mother in Philadelphia.
These sad experiences broadened and deepened her lovely nature so that she developed from a shy girl into an attractive woman. Her troubles seemed only to increase the natural sweetness of her disposition and enhance her beauty. These gifts, together with her youth and riches, caused her to become the object of much curiosity and attention.
On a certain morning during her walk, she was seen by James Madison, who immediately sought for an introduction. This undoubtedly flattered Dollie, for Mr. Madison was a very prominent and important figure in Congress, with a name celebrated throughout Europe and America. He had worked with Washington, Franklin, and Hamilton to establish the United States government on a firm basis, so that he has since been called the Father of the Constitution.
In a letter to her friend Mrs. Lee, Dollie wrote:
Dear Friend:
Thou must come to me. Aaron Burr says that the "great-little Madison" has asked to be brought to see me this evening....
When he came, Mrs. Tod received him in a fine mulberry satin gown, with silk tulle about her neck and a dainty lace cap on her head, a curl of her pretty black hair showing from underneath. She so sparkled with fun and wit that the scholarly Mr. Madison concluded that there was nothing to do but to offer himself as a husband, and before long they became engaged.
President and Mrs. Washington were much pleased when they heard of this and sent for Dollie to come to them. Mrs. Washington said, "Be not ashamed to confess it, if it is so," for Dollie was shy and confused. Then she added,