The law could lay claim upon his personal assets. To surrender these possessions proved no act of self-sacrifice, considering his wife's fortune, upon which the law had no claim. His wife, however, joined him in the act of renunciation, and they stood together penniless. Beyond this point there could be no legal, and, to many minds, no moral responsibility for the debts of his firm. One can speculate upon the force of the temptation to take advantage of the position. Mark Twain was sixty years old, and ill at that. Having sacrificed all he possessed to meet the demands of his creditors, he might justly claim the benefit of what remained of capacity for wealth-producing labor. His own words in reply to a slander which insinuated that he had set to work again for his own benefit are splendid for inspiration and honesty:
"The law recognizes no mortgage on a man's brain, and a merchant who has given up all he has may take advantage of the laws of insolvency, and start free again for himself; but I am not a business man, and honor is a harder master than the law. It cannot compromise for less than a hundred cents on the dollar."
... The great parallel case to the one here under examination is that of Sir Walter Scott, who lost his all through the failure of his printers, the Ballantynes, and between January, 1826, and January, 1828, earned for his creditors nearly £40,000. In the early stages of this trial he suffered acutely from the attitude of his friends, and he records in his diary how some would smile as if to say: "Think nothing about it, my lad; it is quite out of our thoughts;" how others adopted an affected gravity "such as one sees and despises at a funeral," while the best bred "just shook hands and went on."
How the world treated Mark Twain we learn from the speech at the banquet given by the Lotus Club on his return from his arduous journey around the world: "There were ninety-six creditors in all, and not by a finger's weight did ninety-five out of the ninety-six add to the burden of that time."
"'Don't you worry, and don't you hurry,' was what they said." With the courage of a man buffeted, but not beaten, he gathered himself up for "one more last try for fortune and fair fame." In the latter part of 1895 he started out on a tour of the English-speaking countries of the world to give lectures and readings from his own works.