Yorkville enquirer. [volume] (Yorkville, S.C.) 1855-2006, 1886-07-28
&eading,
DEBTS.
BY REV. HENRY VI. MOOD.

Pope. ,., Wall ,..
you are certainly unfortunate. 1t is pos
sible, however, that this condition of
things may have arisen without design
on your part, for with the best of purpOs-
es, we are liable to miscalculate; but Of
tener our pecuniary embarrassments are
the product of downright carelessness.
Our slipshod way Of doing business, our
freeneSS of expenditure and want of eco
nOmical habits are, in most cases, the
causes OF our involvement. But whatev-
er may have heen the cause, make your
arrangements at once to relieve yourself
of these embarrassments by economy and
frugality in your expenditures and thrift
in your habits.
i. Understand what you owe and the
rate of interest at which the debt is in
creasing. Ii is a shame to a man to let
his debts yet beyond his knowledge. TO
say the least it argues a criminal negli-
gence, and certainly smacks of dishonesty.
TO accomplish your purpose, make the
best arrangement you can with your cred
itors. Christ says: agree (arrange)
with thine adversary (creditor) quickly
while thou art in the way with him."
2. Determine to pay. If you cannot
pay the whole debt, pay a part. If you
cannot pay hundred dollars, pay fifty;
if you cannot pay fifty pay ten; if you
cannot pay ten, pay five; if you cannot
pay five, pay one-but pay. =.
3. Keep on good terms with your cred
itors. 1t argues badly when a man who
owes money falls out with his creditors.
Some persons seem to think that credi-
tor has no rights. If he is not as indul-
gent as you desire, regard him not as an
enemy. He has rights and he wishes to
protect them. Ponder upon the words of
Solomon, 1.-The borrower is servant to the
lender" and escape from this bondage as
soon as possible.
4. Never deceive him to whom you
owe money. Do not make rash promises
to meet payment. Let not the Emporium
ity of creditor lead you into lying.
Maintain reputation with your creditor
for scrupul0us truth and honesty.
5. Never suffer yourself to grow easy
under debt. AS soon as this Indifference
is permitted to steal upon you, you are
dishonest. 1t is far better to feel the chat
ing of the yoke than to become callous TO
its CALLING friction. There is always
more hope when a sick person has the
vitality to feel his sickness than when he
becomes insensible to his condition. A
man who has so far thrown off his pc
cuniary obligations as not to be troubled
about them, has become dishonest man
and an abject slave. He will never pay
his debts. He has settled upon his condl-
tiOn of debt as his heritage for life.
6. Ifyour obligation isa "security debt"
remember, it is as legally and morally a
debt as any other. DO not discriminate
against it or make effort to escape its de-
mands. You voluntarily incurred it, and
do not sacrifice your honor in an attempt
to escape payment. You may not have
been wise in failing to observe the words
of Solomon: "Be thou not one Of them
that are sureties securities for debts. He
that hateth suretyships (security) is sure"
but now that you have incurred the debt,
acknowledge it and pay it,
7. Do not put yourself in the dishonora-
BILE attitude of large class of involved
property holders, who place their proper
ty in the hands of their wives, and them
selves in a position of defiance towards
their creditors. This may display cum,
ming in fraud, but robs you of high and
honorable position in society.
s. Never suffer debt to become rusty
with age. You may not be able to prevent
its growing old, but you can certainly keep
1t bright. a note OUT OI uate, tnouSl ~
has lost its legal authority, is as perfect in
it's moral claim as when first signed by you.
8. If you have taken advantage OF the
"Bankrupt Act" or claimed the Home
stead" do not entertain the dishonest idea
that your debts are cancelled. The law has
wisely staid the hand of your creditors, so
as to give you the opportunity to make
money; but the moral claims Of your
creditors are as fresh and good as ever be-
fore. Make money and pay your debts.
10. Part with your luXuries, give up to-
bacco, attend no shows, give no dinners,
invite no company. What right have you
to puff out in tobacco smoke and spit out
in amber what properly belongs to your
creditors, or what right have you to be
hosptabie, free and generous, on what is
really not yours $50. Chris. Adrocafe.
Beaufort, s. c.