If David Sechard had come to pay his bill on the 3rd of May, that is, the day after it was protested, MM. Cointet Brothers would have met him at once with, "We have returned your bill to M. Metivier," although, as a matter of fact, the document would have been lying upon the desk. A banker has a right to make out the account of expenses on the evening of the day when the bill is protested, and he uses the right to "sweat the silver crowns," in the country banker's phrase.
The Kellers, with correspondents all over the world, make twenty thousand francs per annum by charges for postage alone; accounts of expenses of protest pay for Mme. la Baronne de Nucingen's dresses, opera box, and carriage. The charge for postage is a more shocking swindle, because a house will settle ten matters of business in as many lines of a single letter. And of the tithe wrung from misfortune, the Government, strange to say! takes its share, and the national revenue is swelled by a tax on commercial failure. And the Bank? from the august height of a counting-house she flings an observation, full of commonsense, at the debtor, "How is it?" asks she, "that you cannot meet your bill?" and, unluckily, there is no reply to the question. Wherefore, the "account of expenses" is an account bristling with dreadful fictions, fit to cause any debtor, who henceforth shall reflect upon this instructive page, a salutary shudder.
On the 4th of May, Metivier received the account from Cointet Brothers, with instructions to proceed against M. Lucien Chardon, otherwise de Rubempre, with the utmost rigor of the law.
Eve also wrote to M. Metivier, and a few days later received an answer which reassured her completely:—
To M. Sechard, Junior, Printer, Angouleme.
"I have duly received your esteemed favor of the 5th instant. From your explanation of the bill due on April 30th, I understand that you have obliged your brother-in-law, M. de Rubempre, who is spending so much that it will be doing you a service to summons him. His present position is such that he is likely to delay payment for long. If your brother-in-law should refuse payment, I shall rely upon the credit of your old-established house.—I sign myself now, as ever, your obedient servant, "Metivier."
"Well," said Eve, commenting upon the letter to David, "Lucien will know when they summons him that we could not pay."
What a change wrought in Eve those few words meant! The love that grew deeper as she came to know her husband's character better and better, was taking the place of love for her brother in her heart. But to how many illusions had she not bade farewell?
And now let us trace out the whole history of the bill and the account of expenses in the business world of Paris. The law enacts that the third holder, the technical expression for the third party into whose hands the bill passes, is at liberty to proceed for the whole amount against any one of the various endorsers who appears to him to be most likely to make prompt payment. M. Metivier, using this discretion, served a summons upon Lucien. Behold the successive stages of the proceedings, all of them perfectly futile. Metivier, with the Cointets behind him, knew that Lucien was not in a position to pay, but insolvency in fact is not insolvency in law until it has been formally proved.
Formal proof of Lucien's inability to pay was obtained in the following manner: