Disclaimer: I don't own A Christmas Carol.
He looked older then his 35 years. That was the first thing bank president Mr. Fezziwig noticed about his client. Thomas Threadgood knocked on the door to Fezziwig's office.
"Come in sir," Fezziwig said pleasantly, "Take a seat. What can I do for you."
"Here," Thomas said as he pushed a broach across the table. It was his collateral.
"My child is quite ill," he explained, "I had to use the money to pay for her medical care and operation. I am barely covering my house payments so I really don't see any alternative."
He got a bit teary eyed. The broach was his late grandmother's and she had raised him since infancy.
"There is no way I can make the payments," he added.
"MR. THREADGOOD," Fezziwig said, "I will not take that broach. It was a bit of bad fortune you came upon. I will cancel the debt you owe me. In addition I shall cover the rest of your debts and give you enough to make your family and yourself comfortable. I ask only one thing. When you come upon a person in need you show them the same kindness that I have shown you"
"Y-you mean that sir?"
"Absolutely," Fezziwig said "What good is being well off if you can't share it with those in need."