The debtor is guilty of a second crime, of dishonesty and fraud against his fellow-man, by reason of his breaking a contract, entered upon with a party in good faith, and binding in conscience until cancelled by fulfilment. When a man borrows or buys or runs an account on credit, he agrees to return a quid pro quo, an equivalent for value received. When he fails to do so, he violates his contract, breaks his pledge of honor, obtains goods under false pretense. Even if he is sincere at the time of the making of the contract, the crime is perpetrated the moment he becomes a guilty debtor by repudiating, in one way or another, his just debts. Now, to injure a person is wrong; to break faith with him at one and the same time is to incur guilt of a double dye.

There is likewise an element of contumely and outrage in such dishonest operations; the affront offered the victim is contemptible. Men have often been heard to say, after being victimized by imposture of this sort: "I do not mind the loss so much, but I do object to being treated like a fool and a monkey." One's feelings suffer more than one's purse. Especially is this the case when the credit is given or a loan made as a favor or service, intended or requested, only to be requited by the blackest kind of ingratitude.

And let us not forget the extent of damage wrought unto worthy people in hard circumstances who are shut out from the advantages of borrowing and buying on credit by the nefarious practices of dishonest borrowers and buyers. A burnt child keeps away from the fire. A man, after being defrauded palpably a few times, acquires the habit of refusing all credit; and he turns down many who deserve better, because of the persecution to which he is subjected by rogues and scoundrels. Every criminal debtor contributes to that state of affairs and shares the responsibility of causing honest people to suffer want through inability to get credit.

And who are the persons thus guilty of a manifold guilt? They are those who borrow and buy knowing full well they will not pay, pile debt upon debt knowing full well they cannot pay. Others, who do not repudiate openly their obligations, put off paying indefinitely for futile reasons: hard times, that last forever; ships coming in, whose fate is yet unlearned; windfalls from rich relatives that are not yet born, etc.; and from delay to delay they become not only less able, but less willing, to settle their accounts. Sometimes you meet a fellow anxious to square himself for the total amount; half his assets is negotiable, the other half is gall. He threatens you with the alternative of half or none; he wants you to accept his impudence at the same figures at which he himself values it. And this schemer usually succeeds in his endeavor.

Others there are who protest their determination to pay up, even to the last cent; their dun-bills are always kept in sight, lest they forget their obligations; they treasure these bills, as one treasures a thing of immense value. But they live beyond their means and income, purchase pleasure and luxury, refuse to curtail frivolous expenses and extravagant outlay. And in the meantime their debts remain in status quo, unredeemed and less and less redeemable, their determination holds good, apparently; and the creditor breaks commandments looking on and hoping.

Some do violence to their thinking faculty by trying to find justification, somehow, for not paying their debts. The creditor is dead, they say; or he has plenty and can well afford to be generous. An attempt is often made at establishing a case of occult compensation, its only merit being its ingenuity, worthy of a better cause. All such lame excuses argue a deeper perversity of will, a malice well-nigh incurable; but they do not satisfy justice, because they are not founded on truth.

A debt has a character of sacredness, like all moral obligations; more sacred than many other moral obligations, because this quality is taken directly from the eternal prototype of justice, which is God. You cannot wilfully repudiate it therefore without repudiating God. You must respect it as you respect Him. Your sins and your debts will follow you before the throne of God. God alone is concerned with your sins; but with your debts a third party is concerned. And if God may easily waive His claims against you as a sinner, a sterner necessity may influence His judgment of you as a debtor, through respect for the inviolable rights of that third party who does not forgive so readily.



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METHOD JESUIT FATHER. 0 10 WAY OF THE CROSS. METHOD ST. ALPHONSUS LIGUORI. 0 10 WAY OF SALVATION AND PERFECTION. LIGUORI. net, 1 50 WAY OF INTERIOR PEACE. BRUCKER. net, 1 50 WHAT CATHOLICS HAVE DONE FOR SCIENCE. BREKNAN. net, 1 25 WHAT THE CHURCH TEACHES. DRURY. Paper, 0.25; Cloth, 0 60 WHAT TIMES! WHAT MORALS! SEMPLE. Paper, net, 0 15 WITH CHRIST, MY FRIEND. SLOAN. net, 0 75 WITH GOD. LASANCE. Cloth, 1.25; Leather, 1 75 YOUNG MAN'S GUIDE. LASANCE. Cloth, 0.75; Leather, 1 25

NOVELS

AGATHA'S HARD SAYING. ROSA MULHOLLAND. 1 25 BACK TO THE WORLD. CHAMPOL. net, 1 35 BIT OF OLD IVORY, A. net, 0 50 BLACK BROTHERHOOD. GARROLD. net, 1 35 BOND AND FREE. CONNOR. net, 0 75 BUT THY LOVE AND THY GRACE. FINN. 1 00 CARROLL DARE. WAGGAMAN. 1 25 CIRCUS RIDER'S DAUGHTER. BRACKEL. 1 25 CONNOR D'ARCY'S STRUGGLES. BERTHOLDS. 1 25 CORINNE'S VOW. WAGGAMAN. 1 25 DAUGHTER OF KINGS. HINKSON. 1 25 DION AND THE SYBILS. M. KEON. 1 25 DOUBLE KNOT. net, 0 60 FABIOLA. WISEMAN. 12mo. Illustrated edition, 0.75; Non-illustrated edition 0 50 FABIOLA'S SISTERS. CLARKE. 1 25 FATAL BEACON. BRACKEL. 1 25 FAUSTULA. AYSCOUGH. net, 1 35 FORGIVE AND FORGET. LINGEN. 1 50 FRIENDLY LITTLE HOUSE. net, 0 50 HEARTS OF GOLD. EDHOR. 1 25 HEIRESS OF CRONENSTEIN. HAHN-HAHN. 1 25 HER BLIND FOLLY. HOLT. 1 25 HER FATHER'S DAUGHTER. HINKSON. 1 25 IDOLS. NAVERY. 1 25 IN THE DAYS OF KING HAL. TAGGART. 1 25 IN GOD'S GOOD TIME. Ross. net, 0 75 "KIND HEARTS AND CORONETS." HARRISON, 1 25 LADY OF THE TOWER. net, 0 50 LET NO MAN PUT ASUNDER. MARIE. 1 00 LIGHT OF HIS COUNTENANCE. HARTE. net, 0 75 LITTLE CARDINAL. PARR. 1 25 LINKED LIVES. DOUGLAS. 1 50 MARCELLA GRACE. ROSA MULHOLLAND. 1 25 MARIAE COROLLA. HILL. net, 1 25 MELCHIOR OF BOSTON. EARLS. 1 00 MIGHTY FRIEND. L'ERMITE. net, 1 50 MIRROR OF SHALOTT. BENSON. 1 50 MISS ERIN, FRANCIS 1 25 MONK'S PARDON. NAVERY. 1 25 MR. BILLY BUTTONS. LECKY. 1 25 MY LADY BEATRICE. COOKE. net, 0 75 NOT A JUDGMENT. KEON. 1 25 ONE AFTERNOON AND OTHER STORIES. net, 0 60 OTHER MISS LISLE. MARTIN. net, 0 75 OUT OF BONDAGE. HOLT. 1 25 OUTLAW OF CAMARGUE. DE LAMOTHE. 1 25 PASSING SHADOWS. YORKE. 1 25 PASSION FLOWERS. HILL. net, 1 25 PERE MONNIER'S WARD. LECKY. 1 25 PILKINGTON HEIR. SADLIER. 1 25 PRISONER'S YEARS. CLARKE. net, 1 35 PRODIGAL'S DAUGHTER. BUGG. 1 00 RED INN AT ST. LYPHAR. SADLIER. 1 25 ROAD BEYOND THE TOWN. EARLS. 1 25 ROMANCE OF A PLAYWRIGHT. BORNIER. 1 00 ROSE OF THE WORLD. MARTIN. net, 0 75 ROUND TABLE OF GERMAN CATHOLIC NOVELISTS. 1 50 ROUND TABLE OF FRENCH CATHOLIC NOVELISTS. 1 50 ROUND TABLE OF AMERICAN CATHOLIC NOVELISTS. 1 50 ROUND TABLE OF IRISH AND ENGLISH CATHOLIC NOVELISTS. 1 50 ROUND THE WORLD SERIES. Vol. I. 1 00 ROUND THE WORLD SERIES. Vol. II. 1 00 ROUND THE WORLD SERIES. Vol. III. 1 00 ROUND THE WORLD SERIES. Vol. IV. 1 00 ROUND THE WORLD SERIES. Vol. V. 1 00 ROUND THE WORLD SERIES. Vol. VI. 1 00 ROUND THE WORLD SERIES. Vol. VII. 1 00 ROUND THE WORLD SERIES. Vol. VIII. 1 00 ROUND THE WORLD SERIES. Vol. IX. 1 00 ROUND THE WORLD SERIES. Vol. X. 1 00 RULER OF THE KINGDOM. KEON. 1 25 SECRET OF THE GREEN VASE. COOKE. net, 0 75 SENIOR LIEUTENANT'S WAGER. net, 0 60 SHADOW OF EVERSLEIGH. LANSDOWNE. net, 0 75 SO AS BY FIRE. CONNOR. net, 0 75 SOGGARTH AROON. GUINAN. 1 25 SON OF SIRO. COPUS. 1 50 SONGS AND SONNETS. EGAN. 1 00 STORY OF CECILIA. HINKSON. 1 25 STUORE. EARLS. 1 00 TEMPEST OF THE HEART. GRAY. 1 25 TEST OF COURAGE. ROSS. net, 0 75 THAT MAN'S DAUGHTER. Ross. 1 25 THEIR CHOICE. SKINNER. 1 00 THROUGH THE DESERT. SIENKIEWICZ. net, 1 35 TRAIL OF THE DRAGON. 1 00 TRAINING OF SILAS. DEVINE. 1 25 TRUE STORY OF MASTER GERARD. SADLIER. 1 25 TURN OF THE TIDE. GRAY. net, 0 75 UNBIDDEN GUEST. COOKE. net, 0 75 UNDER THE CEDARS AND STARS. SHEEHAN. net, 2 00 UNRAVELLING OF A TANGLE. TAGGART. 1 25 UP IN ARDMUIRLAND. BARRETT. net, 1 25 VOCATION OF EDWARD CONWAY. EGAN. 1 25 WARGRAVE TRUST. REID. 1 25 WAY THAT LED BEYOND. HARRISON. 1 25 WEDDING BELLS OF GLENDALOUGH. EARLS. net, 1 35 WHEN LOVE IS STRONG. KEON. 1 25 WOMAN OF FORTUNE. REID. 1 25 WORLD WELL LOST. ROBERTSON. 0 75

JUVENILES

ALTHEA. NIRDLINGER. 0 60 ADVENTURE WITH THE APACHES, AN. FERRY. 0 45 AS GOLD IN THE FURNACE. COPUS. 0 85 AS TRUE AS GOLD. MANNIX. 0 45 ARMORER OF SOLINGEN. HERCHBNBACH. 0 45 BELL FOUNDRY, THE. SCHACHING. 0 45 BERKLEYS, THE. WIGHT. 0 45 BEST FOOT FORWARD. FINN. 0 85 BETWEEN FRIENDS. AUMERLE. 0 85 BLACK LADY, THE. SCHMID. 0 25 BISTOURI. MELANDRI. 0 45 BLISSYLVANIA POST-OFFICE. TAGGART. 0 45 BOB-O'-LINK. WAGGAMAN. 0 45 BOYS IN THE BLOCK. EGAN. 0 25 BROWNIE AND I. AUMERLE. 0 85 BUNT AND BILL. C. MULHOLLAND. 0 45 BUZZER'S CHRISTMAS. WAGGAMAN. 0 25 BY BRANSCOME RIVER. TAGGART. 0 45 CAKE, THE, AND THE EASTER EGGS. SCHMID. 0 25 CANARY BIRD, THE, AND OTHER TALES. SCHMID. 0 45 CAPTAIN TED. WAGGAMAN. 0 60 CAVE BY THE BEECH FORK, THE. SPALDING. 0 85 CHARLIE CHITTYWICK. BEARNE. 0 85 CHILDREN OF CUPA. MANNIX. 0 45 CHILDREN OF THE LOG CABIN. DELAMARE. 0 85 CLARE LORAINE. "LEE" 0 85 CLAUDE LIGHTFOOT. FINN. 0 85 COLLEGE BOY. A. YORKE. 0 85 CUPA REVISITED. MANNIX. 0 45 DADDY DAN. WAGGAMAN. 0 45 DEAR FRIENDS. NIRDLINGER. 0 60 DIMPLING'S SUCCESS. C. MULHOLLAND. 0 45 DOLLAR HUNT, THE. E. G. MARTIN. 0 45 ETHELRED PRESTON. FINN. 0 85 EVERY-DAY GIRL, AN. CROWLEY. 0 45 FATAL DIAMONDS. THE. DONNELLY. 0 25 FIVE O'CLOCK STORIES. 0 75 FLOWER OF THE FLOCK. EGAN. 0 85 FOR THE WHITE ROSE. HINKSON. 0 45 FREDDY CARR'S ADVENTURES. GARROLD. 0 85 FREDDY CARR AND HIS FRIENDS. GARROLD. 0 85 FRED'S LITTLE DAUGHTER. S. T. SMITH. 0 45 GODFREY THE LITTLE HERMIT. SCHMID. 0 25 GOLDEN LILY, THE. HINKSON. 0 45 GREAT CAPTAIN, THE. HINKSON. 0 45 GUILD BOYS OF RIDINGDALE. BEARNE. 0 85 HALDEMAN CHILDREN, THE. MANNIX. 0 45 HARMONY FLATS. WHITMIRE. 0 85 HARRY DEE. FINN. 0 85 HARRY RUSSELL. COPUS. 0 85 HEIR OF DREAMS, AN. O'MALLEY. 0 45 HIS FIRST AND LAST APPEARANCE. FINN. 1 00 HOP BLOSSOMS, THE. SCHMID. 0 25 HOSTAGE OF WAR. BONESTEEL. 0 45 HOW THEY WORKED THEIR WAY. EGAN. 0 85 IN QUEST OF THE GOLDEN CHEST. BARTON. 1 15 INUNDATION, THE, AND OTHER TALES. HERCHENBACH. 0 45 "JACK." 0 45 JACK HILDRETH ON THE NILE. TAGGART. 0 85 JACK O'LANTERN. WAGGAMAN. 0 45 JUNIORS OF ST. BEDE'S. BRYSON. 0 85 JUVENILE ROUND TABLE. First Series. 1 00 JUVENILE ROUND TABLE. Second Series. 1 00 JUVENILE ROUND TABLE. Third Series. 1 00 KLONDIKE PICNIC, A. DONNELLY. 0 85 LAMP OF THE SANCTUARY. WISEMAN. 0 25 LEGENDS AND STORIES OF THE CHILD JESUS FROM MANY LANDS. LUTZ. 0 75 LITTLE APOSTLE ON CRUTCHES. DELAMARE. 0 45 LITTLE GIRL FROM BACK EAST. ROBERTS. 0 45 LITTLE MISSY. WAGGAMAN. 0 45 LOYAL BLUE AND ROYAL SCARLET. TAGGART. 0 85 MADCAP SET AT ST. ANNE'S. BRUNOWE. 0 45 MAKING OF MORTLAKE. COPUS. 0 85 MARKS OF THE BEAR CLAWS. SPALDING. 0 85 MARY TRACY'S FORTUNE. SADLIER. 0 45 MASTER FRIDOLIN. GIEHRL. 0 25 MELOR OF THE SILVER HAND. BEARNE. 0 85 MILLY AVELING. S. T. SMITH. 0 85 MORE FIVE O'CLOCK STORIES. 0 75 MOSTLY BOYS. FINN. 0 85 MY STRANGE FRIEND. FINN. 0 25 MYSTERY OF CLEVERLY. BARTON. 0 85 MYSTERIOUS DOORWAY. SADLIER. 0 45 MYSTERY OF HORNBY HALL. SADLIER. 0 85 NAN NOBODY. WAGGAMAN. 0 45 NED RIEDER. WEHS. 0 85 NEW BOYS AT RIDINGDALE. BEARNE. 0 85 NEW SCHOLAR AT ST. ANNE'S. BRUNOWE. 0 85 OLD CHARLMONT'S SEED BED. S. T. SMITH. 0 45 OLD MILL ON THE WITHROSE. SPALDING. 0 85 OLD ROBBER'S CASTLE. SCHMID. 0 25 OUR LADY'S LUTENIST. BEARNE. 0 85 OVERSEER OF MAHLBOURG. SCHMID. 0 25 PANCHO AND PANCHITA. MANNIX. 0 45 PAULINE ARCHER. SADLIER. 0 45 PERIL OF DIONYSIO. MANNIX. 0 45 PERCY WYNN. FINN. 0 85 PETRONILLA. DONNELLY. 0 85 PICKLE AND PEPPER. DORSEY. 0 85 PILGRIM FROM IRELAND. CARNOT. 0 45 PLAYWATER PLOT. WAGGAMAN. 0 60 POVERINA. BUCKENHAM. 0 85 QUEEN'S PAGE. HINKSON. 0 45 QUEEN'S PROMISE. WAGGAMAN. 0 60 RACE FOR COPPER ISLAND. SPALDING. 0 85 RECRUIT TOMMY COLLINS. BONESTEEL. 0 45 RIDINGDALE FLOWER SHOW. BEARNE. 0 85 ROMANCE OF THE SILVER SHOON. BEARNE. 0 85 ROSE BUSH, THE. SCHMID. 0 25 SEA-GULLS ROCK. SANDEAU. 0 45

THE END