"It is useless to chaffer with me, sir." Wilkinson spoke sternly. "I have said what I will do, and I will do nothing else. Even that offer I shall withdraw if not accepted now."

The man seemed thrown quite aback by the prompt and decisive manner of Wilkinson, and, after some hesitation and grumbling, finally consented to yield up the balance of the due-bills for a note payable in six months.

"Saved as by fire!" Such was the mental ejaculation of Wilkinson, as the collector left the store. "I stagger already under the extra weight of fifteen hundred dollars. Five hundred added now would come nigh to crushing me. Ah! how dearly have I paid for my folly!"

While he still sat musing at his desk, his friend Ellis came in, looking quite sober.

"I know you've been pretty hard run for the last week or ten days," said he, "but can't you strain a point and help me a little? I've been running about all the morning, and am still two hundred dollars short of the amount to be paid in bank to-day."

"Fortunately," replied Wilkinson, "I have just the sum you need."

"How long can you spare it?"

"Until day after to-morrow."

"You shall have it then, without fail."

The money was counted out and handed to Ellis, who, as he received it, said in a desponding voice—