“These men avail themselves of the credit, or the ultimate responsibility of the giddy and thoughtless young spendthrift in his eager pursuit of criminal pleasures, and under the influence of those allurements, which the various places of fashionable resort hold out; and seldom fail to obtain from them securities and obligations for large sums; upon the credit of which they are enabled, perhaps at usurious interest, to borrow money or discount bills, and thus supply their unfortunate customers upon the most extravagant terms. “There are others, who having some capital, advance money upon bonds, title-deeds, and other specialties, or tipon the bond of the parties having property in reversion. By these and other devices, large sums of money are most unwarrantably and illegally wrested from the dissipated and the thoughtless; and misery and distress are perhaps entailed upon them as long as they live, or they are driven by the prospect of utter ruin to acts of desperation or the commission of crimes. “It generally happens upon application to the advertising party, that he, like Moses in _The School for Scandal_, is not really in possession of any money himself, but then he knows where and how to procure it from a very ~171~~unconscionable dog, who may, perhaps, not be satisfied with the security ottered; yet, if you have Bills at any reasonable date, he could get them discounted. If you should suffer yourself to be trick'd out of any Bills, he will contrive, in some way or other, to negotiate them--not, as he professes, for you, but for himself and his colleagues; and, very likely, after you have been at the additional expense of commencing a suit at law against them, they have disappeared, and are in the King's Bench or the Fleet, waiting there to defraud you of every hope and expectation, by obtaining their liberty through the White-washing Act. “These gentry are for the most part Attorneys or Pettifoggers, or closely connected with such; and notwithstanding all legal provisions to preclude them from exacting large sums, either for their agency and introduction, or for the bonds which they draw, yet they contrive to bring themselves home, and escape detection, by some such means as the following: “They pretend that it is necessary to have a deed drawn up to explain the uses of the Annuity-bond, which the grantor of the money, who is some usurious villain, immediately acknowledges and accedes to; for “The bond that signs the mortgage pays the shot; so that an Act which is fraught with the best purposes for the protection of the honest, but unfortunate, is in this manner subjected to the grossest chicanery of pettifoggers and pretenders, and the vilest evasions of quirking low villains of the law.