“Patience, patience, you say. For eight years I have been using patience with you; my patience is exhausted now. There must be limits to everything. There is a limit to patience also. I insist upon your paying.”
“Consider, Mr. Shund, I am the father Of eight children. If you insist on payment now and permit the law to take its course, you will ruin a family of ten persons. Surely your conscience will not permit you to do this?”
“Conscience! What do you mean? Do not trouble me with your nonsense. For me, conscience means to have; for you, it means you must. Therefore, pay.”
“Mr. Shund, you know it is yourself that have reduced us to this wretched condition!”
“You don’t say I did! How so?”
“May I remind you, Mr. Shund, may I remind you of all the circumstances by which this was brought about? How it happened that from a man of means I have been brought to poverty?”
“Go on, dearest Holt—go on; it will be interesting to me!” The usurer settled himself comfortably to hear the summary of his successful villanies from the mouth of the unfortunate man with the same satisfaction with which a tiger regales itself on the tortures of its victim.
“Nine years ago, Mr. Shund, I was not in debt, as you know. I labored and supported my family honestly, without any extraordinary exertion. A field was for sale next to my field at the Rothenbush. You came at the time—it is now upwards of eight years, and said in a friendly way, ‘Holt, my good man, buy that field. It lies next to yours, and you ought not to let the chance slip.’ I wanted the field, but had no money. This I told you. You encouraged me, saying, ‘Holt, my good man, I will let you have the money—on interest, of course; for I am a man doing business, and I make my living off my money. I will never push you for the amount. You may pay it whenever and in what way you wish. Suit yourself.’ You gave me this encouragement at the time. You loaned me nine hundred and fifty florins—in the note, however, you wrote one thousand and fifty, and, besides, at five per cent. For three years I paid interest on one thousand and fifty, although you had loaned me only nine hundred and fifty. All of a sudden—I was just in trouble at the time, for one of my draught-cattle had been crippled, and the harvest had turned out poorly, you came and demanded your money. I had none. ‘I am sorry,’ said you, ‘I need my money, and could put it out at much higher interest.’ I begged and begged. You threatened to sue me. Finally, after much begging, you proposed that I should sell you the field, for which three years previous I had paid nine hundred and fifty florins, for seven hundred florins, alleging that land was no longer as valuable as it had been. You were willing to rent me the field at a high rate. And to enable me to get along, you offered to lend me another thousand, but drew up a note for eleven hundred florins at ten per cent., because, as you pretended, money was now bringing ten per cent. since the law regulating interest had been abrogated. For a long while I objected to the proposal, but found myself forced at last to yield because you threatened to attach my effects. From this time I began to go downhill, I could no longer meet expenses, my family was large, and I had to work for you to pay up the interest and rent. But for some time back I had been unable to do as I wished. I could not even sell any of my own property; for you were holding me fast, and I was obliged to mortgage everything to you for a merely nominal price. My cottage, my barn, my garden, and the field in front of my house—worth at least two thousand florins—I had to give you a mortgage upon for one thousand. The rest of my immovable property, fields and meadows, you took. Nothing was left to me but the little hut and what adjoined it. With respects, Mr. Shund, you had long since sucked the very marrow from my bones, next you put the rope about my neck, and now you are about to hang me.”
“Hang you? Ha-ha! That’s good, Holt! You are in fine humor,” cried the usurer, after hearing with a relish the simple account of his atrocious deeds. “I have no hankering for your neck. Pay up, Holt, pay up, that is all I want. Pay me over the trifle of a thousand florins and the interest, and the house with everything pertaining to it shall be yours. But if you cannot pay up, it will have to be sold at auction, so that I may get my money.”