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  5. It is the debtor that is ruined by hard times.

It is the debtor that is ruined by hard times.

Rutherford B. Hayes
Hard Times, Debt Free, Debtors
"Diary and Letters of Rutherford Birchard Hayes". Book by Rutherford B. Hayes, 1922 - 1926.
It is the debtor that is ruined by hard times.