But the mother only shook her head.

“Couldn’t we move to Port William?” said Jack.

“How could we? Here we have a house of our own, which couldn’t easily be rented. There we should have to pay rent, and where is the money to come from?”

“Can’t we collect something from Gray?”

Again Mrs. Dudley shook her head.

But Jack resolved to try the hardhearted debtor, himself. It was now four years since Jack’s father had been persuaded to release a mortgage in order to relieve Francis Gray from financial distress. Gray had promised to give other security, but his promise had proved worthless. Since that time he had made lucky speculations and was now a man rather well off, but he kept all his property in his wife’s name, as scoundrels and fraudulent debtors usually do. All that Jack and his mother had to show for the one thousand dollars with four years’ interest due them, was a judgment against Francis Gray, with the sheriff’s return of “no effects” on the back of the writ of execution against the property “of the aforesaid Francis Gray.” For how could you get money out of a man who was nothing in law but an agent for his wife?

But Jack believed in his powers of persuasion, and in the softness of the human heart. He had never had to do with a man in whom the greed for money had turned the heart to granite.

Two or three days later Jack heard that Francis Gray, who lived in Louisville, had come to Greenbank. Without consulting his mother, lest she should discourage him, Jack went in pursuit of the slippery debtor. He had left town, however, to see his fine farm, three miles away, a farm which belonged in law to Mrs. Gray, but which belonged of right to Francis Gray’s creditors.

Jack found Mr. Gray well-dressed and of plausible manners. It was hard to speak to so fine a gentleman on the subject of money. For a minute, Jack felt like backing out. But then he contrasted his mother’s pinched circumstances with Francis Gray’s abundance, and a little wholesome anger came to his assistance. He remembered, too, that his cherished projects for getting an education were involved, and he mustered courage to speak.

“Mr. Gray, my name is John Dudley.”