On commencing business, about four years since, everything looked bright and prosperous, but the pressure put upon me now, in consequence of the many bankruptcies that have lately taken place, has brought me to the very brink of misery and ruin. I see no prospect before me but to compound with my creditors, and _that_ I would by any possibility avoid. Knowing the interest you have always taken in me, and being well aware that your advice and assistance are most valuable, I now venture to apply to you. I have dreaded to do so, as it appeared to me that I was, as it were, imposing upon your too compassionate heart. However, now, dear sir, you know the whole of my circumstances, and exactly the position in which I find myself, through no fault of my own. I shall anxiously await your reply. With many thanks for past undeserved kindness, I remain, Dear Sir, Yours most respectfully, H. S. F. ---- _Reply to Young Tradesman's Letter, relative to Difficulties._ St. Mary Axe, London, June 19th, 187-- DEAR SIR, Having admired you for your upright dealings ever since you commenced business, I am sorry to hear of your present difficulties. There are but two courses open to you--bankruptcy or composition. Compound with your creditors, as the best and only means of showing your honesty of purpose, and also because it will save them the expenses caused by bankruptcy. I will do all in my power to arrange matters for you. My own claim I will not at present press, and very possibly when everything is settled you may find yourself in a much less distressing position than you at present imagine. Let me see you as soon as you can. Keep nothing back from me. Yours truly, H. T. G. ---- _From a Man with a small Capital intending to go into Business, asking for Advice._ Penge, April 5th, 187-- DEAR MR. MATTHEWS,