e her from me that there is not even a tinge of
disgrace in making this assignment. By doing it you will relieve
yourself of a fearful load of dread, and in time will be able to pay
everything and stand clear before the world. If you don't do it you will
probably never be free from debt, and it will kill you and Mrs. Clemens
both. If there is any disgrace it would be in not taking the course that
will give you and her your freedom and your creditors a better chance for
their claims. Most of them will be glad enough to help you."

It was on the afternoon of the next day, April 18, 1894, that the firm of
Charles L. Webster & Co. executed assignment papers and closed its
doors. A meeting of the creditors was called, at which H. H. Rogers was
present, representing Clemens. For the most part the creditors were
liberal and willing to agree to any equitable arrangement. But there
were a few who were grumpy and fussy. They declared that Mark Twain
should turn over his copyrights, his Hartford home, and whatever other
odds and ends could be discovered. Mr. Rogers, discussing the matter in
1908, said:

"They were bent on devouring every pound of flesh in sight and picking
the bones afterward, as Clemens and his wife were perfectly willing they
should do. I was getting a little warm all the time at the highhanded
way in which these few men were conducting the thing, and presently I got
on my feet and said, 'Gentlemen, you are not going to have this thing all
your way. I have something to say about Mr. Clemens's affairs. Mrs.
Clemens is the chief creditor of this firm. Out of her own personal
fortune she has lent it more than sixty thousand dollars. She will be a
preferred creditor, and those copyrights will be assigned to her until
her claim is paid in full. As for the home in Hartford, it is hers
already.'

"There was a good deal of complaint, but I refused to budge. I insisted
that Mrs. Clemens had the first claims on the copyrights, though, to tell
the truth, these did not promise much then, for in that hard year the
sale of books was small enough. Besides Mrs. Clemens's claim the debts
amounted to one hundred thousand dollars, and of course there must be a
definite basis of settlement, so it was agreed that Clemens should pay
fifty cents on the dollar, when the assets were finally realized upon,
and receive a quittance. Clemens himself declared that sooner or later
he would pay the other fifty cents, dollar for dollar, thoug