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jealous, with which the Earl of Wharton addressed the twelve new peers in the reign of Queen Anne. Yet this prejudice and this reluctance must give way; this scorn must be subdued, and this jealousy, if it be not, as it ought to be, eradicated, must become silent.

We, of the United States, have numbers and power and wealth, and a growing commerce, and a most extensive country, and, as we may think without vanity, some portion of that intelligence and spirit, which belongs to our more cultivated neighbours. Once for all, then, if we can express ourselves in such a manner as not to incur the imputation of arrogance, we wish to say, that we consider ourselves as forming a part, and a respectable part, of the great public of civilized and Christian nations; having an interest in such subjects discussed before that public, as are not in themselves local or peculiar; with a good right of contribution, as far as our ability admits, to those discussions ourselves; and above all a right to fair dealing and gentlemanly treatment from all who profess to write for the good of this public, and to be answerable to its judgment.

We put forth this claim in behalf of our country; and in behalf of the informed and reading class of its citizens. It is for the English writers to say, not whether it shall be admitted; that question we do not refer to their arbitrament: but whether, on their part, it shall be admitted freely, and with courtesy; or with hesitation, reluctance, ill nature, and ill manners.

We have space at present to take notice of one only of the topics, discussed in these articles. It relates to the American law of creditor and debtor; about which the reviewer has published extracts from Mr. Bristed's book, with comments. Mr. Bristed is an Englishman, by birth and education. He has lived, as it appears, for sometime in the city of New York, and has published a book upon the resources of this country. Some observations were made on that work in a former number of this journal. Referring to these observations, we have now only to say of Mr. Bristed's general character, as an authority, that he is beyond ordinary measure destitute of all accuracy and precision. There are, of course, many important facts collected in this book, and a mass of extracts from public documents, in some degree useful, perhaps, to those who do not possess the same matter in a better form; but his own opinions, and inferences, and observations upon manners, are not to be received but with great allowance. Mr. Bristed never speaks with any qualification. He has little general, and no intimate knowledge of the state of things in this country, and he speaks only from what lies within his own immediate and confined observation. With him all peculiarities are general truths, and all exceptions become rules. We have hardly patience with a man, who could write such a paragraph, as the first quoted from his book, in the article in the Quarterly Review, which we beg leave to transcribe again, and to proceed to make some remarks upon it.

"The laws of this country generally favor the debtor at the expense of the creditor, and so far encourage dishonesty. The number of insolvents in every state s prodigious, and continually increasing. They very seldom pay any part of their debts, but get discharged by the state insolvent acts with great facility, secrete what property they please for their own use, without the creditor's being able to

touch a single stiver. There is no bankrupt law in the United States, and no appeal, in these matters, to the Federal courts; whence in every state the insolvent acts operate as a general jail delivery of all debtors, and a permanent scheme, by which creditors are defrauded of their property. The British merchants and manufacturers, who have trusted our [our ?] people, doubtless understand this.”

He adds, "that in a single city, New York, more than six thousand of its inhabitants were declared insolvent in one year."

Now in the first place, almost every matter of fact, asserted in this paragraph, is stated incorrectly and untruly. It is not true, that in every state the insolvent laws operate as a general jail delivery of all debtors; there being, in a majority of the states, no insolvent law at all.

It is not true, that there is no appeal in these matters, to the Federal courts: on the contrary, there is an appeal, in all cases, from decisions in the state courts, on the insolvent laws of the state, to the Supreme Court of the United States; an appeal, which exists not only theoretically, but practically, and has been resorted to often, and with effect.

It is not true, that the number of insolvents, meaning such as have been discharged under statute provisions, is prodigious in every state, and increasing. In most of the states, as we have observed, there are no such laws, and of course no prodigious numbers,' who have been, or who can be discharged under such laws. Having now shown how destitute of all correctness and all truth is the foregoing paragraph from Mr. Bristed's book, we proceed to describe the real state of the case.

At the formation of the present government in 1787, it was provided by the national constitution, that Congress should have power to establish uniform rules on the subject of Bankruptcy throughout the United States. This power was not exercised until 1798, when a uniform system of Bankruptcy was established by act of Congress. It met with great opposition, arising in a great variety of motives, and was repealed four or five years afterwards. It is, no doubt, to be lamented that a fair experiment was not given to this law. It is a subject on which it seems necessary that there should be some legislative provision; and notwithstanding the frauds which will be, and are committed under bankrupt laws, even well administered, and which have led such men as Lord Eldon, and Sir Samuel Romily to express doubts of their general utility, yet we know not any other mode of providing for the cases continually arising in commercial societies, and which call loudly for some provision. After the repeal of the law, however, individual states, acting upon the supposition that as Congress had not exercised the power, or had discontinued its exercise, of establishing a general law, for the whole country, they had a right to provide insolvent laws as a part of their own local legislation, enacted such laws, and gave them operation. Among others, the state of New York passed an insolvent law, in the year 1811, and, as was to be expected in the first year of its operation, many discharges were obtained under it. It was found that this law not only gave too great facilities in obtaining discharges, but that it led also to fraudulent applications from debtors coming from other states. The law was

repealed, we believe, within a year after its enactment; and it was, we suppose, during the period of this very short and extraordinary act, that Mr. Bristed finds his six thousand discharged in one year. Here then is a single act, from which a general law, and a general practice, is unhesitatingly inferred. The British merchants and manufacturers who have trusted our people doubtless understand this.' Does Mr. Bristed mean that the credit of American merchants is not good, in England? It would be new to us, indeed, to hear such a remark. Surely never was, not only all due credit, but all undue credit more easily obtained, than by the American merchants, for British manufactures.

The flippant and off-hand remark, that the laws of this country generally favor the debtor, at the expense of the creditor, is grossly incorrect, and can hardly be pardoned. There may be, among the state legislatures, an occasional relaxation, but to say that the general scope of the laws of this country is to favor the debtor at the expense of the creditor, is absolutely untrue, and calumnious. We still hold, in almost, if not in every state, to the imprisonment of the person for debt; we still hold every man, to be in law capable of paying to the uttermost farthing; and therefore we apply the old principle, solvat per corpus, qui non possit crumena. We discourage marriage settlements, and family settlements, to an extent, in the opinion of some, far too great; our lawgivers and tribunals all look with jealousy on trusts and entailments, and all the various modes of tying up estates, and rendering them inalienable; and all this simply from respect to the rights of creditors.

In most of the states also, the fee simple of the debtor's estate may be taken, to satisfy the creditor, and lastly, we hold, that whatever laws the individual states may pass respecting insolvents, such laws, if they in any manner impair the validity of contracts, are absolutely null and void. We have from the first introduced and maintained this great and salutary, and protecting principle in the fundamental articles of the national government; and yet Mr. Bristed can say, and the reviewers in England can believe, that in this country the laws are generally made to favor debtors at the expense of the creditors! Every well informed man knows the difficulty of legislating on the subject of insolvents; and none better than the eminent living judicial characters in England. We now speak of the insolvent laws, as distinguished from the bankrupt laws; since the insolvent laws which individual states have sometimes enacted in this country, resemble the cessio bonorum of the civil law, and the insolvent laws of England, much more than the bankrupt system of that country.

We wish, before gentlemen in England give credit to such loose calumnies as this of Mr. Bristed's upon the laws for the relief of insolvent debtors in the United States, they would attend to their own case, and to the difficulties which they themselves have experienced on this subject. This would, we think, give some moderation to their fault-finding, and some measure to their language of rebuke. We wish they would consult Lord Eldon, Lord Redesdale, Lord Aukland, Mr. Sergeant Runnington, the late, and Mr. Reynolds, the present judge of the insolvent debtor's court, upon the unavoidable obstacles, and difficulties which lie in the way of uniting

on this subject the just claims of creditors, with due compassion for honest but unfortunate debtors. When they have done this, we shall hear with somewhat more patience, what they may see to find fault with, in systems adopted by their neighbours.

It is well known that it has been the practice of Parliament to grant occasional relief to such insolvent debtors, as do not come within the provision of the bankrupt laws. And it being thought expedient to make a permanent provision on the subject, Parliament passed the act 53 Geo. III. chap. 102. This act, we believe, was drawn by Lord Redesdale, a man of the highest legal eminence, and of great experience. It has sixty sections, and appears to have been prepared with the utmost care and solicitude, in order that it might prevent, on the one hand, the harsh and unfeeling confinement of honest debtors, and on the other, the practice of fraud by the dishonest. This act was limited to November 1818, and to the end of the next session of Parliament. The powers and duties of the act were to be exercised and discharged by a judge, or commissioner, who should be some "fit person, being a barrister or lawyer of six years' standing at the court," and Mr. Sergeant Runnington was appointed to this office. We have already said, that the act contained all the provision which could be thought of, to prevent fraud on the one hand, and cruelty on the other; an application to be discharged was to be accompanied with an offer to assign all his property, excepting wearing apparel, bedding, and tools of his trade, never exceeding in all twenty pounds; and there must be annexed to the petition a schedule of property and effects, and another of debts due by the prisoner, and the prisoners' oath to the truth of these schedules; and every creditor to be served with a copy of the petition and schedule, and notice inserted in the Gazette, and other newspapers, and creditors to have a right to appear and to put any questions to the prisoner, touching his conduct under oath; and assignees to be appointed to receive his assets, books, &c. of all sorts; and then the court, after all, may annul his discharge if it shall appear to have been obtained by fraud, or revoke it, if it afterwards appear that he has ability to pay his debts. The assignees are required to get in effects and debts, and make distribution at the end of three months, &c. with proper penalties for perjury; with a train of exceptions, such as attorneys embezzling money, persons getting money on false pretences, &c. who are not to be allowed the benefit of the law.

Here then is a law for the relief of insolvent debtors, fully considered, and deliberately passed, guarded by all practicable securities, and limitations, and placed under the administration of a competent and learned court; and what is found to be the result? The law was to expire in July last, at the end of the last session of parliament, unless continued by another act. To prevent this continuing act, very numerous and very respectable petitions were laid on the table of the Lords and Commons. Innumerable and intolerable frauds were alleged to have been perpetrated in the cases arising under the act. A committee of the House of Commons reported, if we mistake not, "that during the whole duration of the law, and out of the prodigious number of cases in which debtors had surrendered

their property, and been discharged, there had not been received above a penny in the pound upon the average of the debts discharged." This we quote from memory, but our statement is sufficiently exact for our purpose.

We have thus alluded to the experience of England on the subject of insolvent debtors, not by way of an idle retort, but to expose the intrinsic difficulty of the subject, and to shut up the mouths of half-informed, superficial and self-sufficient scribblers and rebukers, on both sides the Atlantic. Would it not be wrong from the facts which we have stated to infer a plausible case of enormous fraud and corruption against English justice? If we were to try our hand at such a paragraph as Mr. Bristed has written and the Quarterly `Review has cited against us, might we not say, "England is not a country for a man to recover his debts. All her merchants, who are debtors, are provided for, by what she calls her system of Bankruptcy, a stupendous system, which many of her most eminent lawyers have been honest enough to confess was productive of unmeasured fraud and injustice; and as to all the rest of her subjects who may owe anything, there is the insolvent debtor's court, where anybody may be discharged; and of this court it is enough to say, that during all its existence, although no man can be discharged without surrendering all his property, which the law says shall go to his creditors, yet in truth no creditor ever gets anything. How much the officers of the court get, we do not know; and what becomes of that part which they do not get, we do not know, but we do know that the creditor gets nothing." We forbear. It is hardly fit to write such paragraphs, even for the mere purpose of showing how easily they may be written. It is a dangerous curiosity to commit sins, only to learn or to show with what facility sins may be committed.

An act of the last session of Parliament was intended, we believe, to have continued the insolvent debtor's law to the present session. Owing to mistake, however, the purpose was not effected, and the law is supposed to have expired, and proceedings under it are for the present discontinued. The subject, however, is before Parliament, and it will give us unmixed pleasure if the English government shall be able to adopt such legislation on this equally important and difficult subject as shall satisfy the necessities of its own case, and afford light to the lawgivers of other countries. In the meantime let it not be understood, that the law of creditor and debtor is in a worse state for the creditor in this country than in others. As before observed, some of the states may have occasionally departed, and may still occasionally depart from the dictates of enlightened wisdom on this subject, from a disposition to relieve hardship, and from a vain and illusory hope of finding, in mere remedial legislation, a relief against the pressure of the times, and the stagnation of trade. But the general scope and tendency of our laws is to give creditors full and ample remedies, and to render property of all sorts liable for debts. We may say, indeed, that there is no country in the world, in which a regard for the rights of property is more likely to prevail; for in no country was property ever so equally diffused,

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