One summer afternoon; a year, wanting some odd days, after the marriage in the City church; there was a buzz and whisper upon 'Change of a great failure. A certain cold proud man, well known there, was not there, nor was he represented there. Next day it was noised abroad that Dombey and Son had stopped, and next night there was a List of Bankrupts published, headed by that name.

The world was very busy now, in sooth, and had a deal to say. It was an innocently credulous and a much ill-used world. It was a world in which there was 'no other sort of bankruptcy whatever. There were no conspicuous people in it, trading far and wide on rotten banks of religion, patriotism, virtue, honour. There was no amount worth mentioning of mere paper in circulation, on which anybody lived pretty handsomely, promising to pay great sums of goodness with no effects.

There were no shortcomings anywhere, in anything but money. The world was very angry indeed; and the people especially, who, in a worse world, might have been supposed to be apt traders themselves in shows and pretences, were observed to be mightily indignant.

Here was a new inducement to dissipation, presented to that sport of circumstances, Mr Perch the Messenger! It was apparently the fate of Mr Perch to be always waking up, and finding himself famous. He had but yesterday, as one might say, subsided into private life from the celebrity of the elopement and the events that followed it; and now he was made a more important man than ever, by the bankruptcy. Gliding from his bracket in the outer office where he now sat, watching the strange faces of accountants and others, who quickly superseded nearly all the old clerks, Mr Perch had but to show himself in the court outside, or, at farthest, in the bar of the King's Arms, to be asked a multitude of questions, almost certain to include that interesting question, what would he take to drink? Then would Mr Perch descant upon the hours of acute uneasiness he and Mrs Perch had suffered out at Balls Pond, when they first suspected 'things was going wrong.'

Then would Mr Perch relate to gaping listeners, in a low voice, as if the corpse of the deceased House were lying unburied in the next room, how Mrs Perch had first come to surmise that things was going wrong by hearing him (Perch) moaning in his sleep, 'twelve and ninepence in the pound, twelve and ninepence in the pound!' Which act of somnambulism he supposed to have originated in the impression made upon him by the change in Mr Dombey's face. Then would he inform them how he had once said, 'Might I make so bold as ask, Sir, are you unhappy in your mind?' and how Mr Dombey had replied, 'My faithful Perch — but no, it cannot be!' and with that had struck his hand upon his forehead, and said, 'Leave me, Perch!' Then, in short, would Mr Perch, a victim to his position, tell all manner of lies; affecting himself to tears by those that were of a moving nature, and really believing that the inventions of yesterday had, on repetition, a sort of truth about them to-day.

Mr Perch always closed these conferences by meekly remarking, That, of course, whatever his suspicions might have been (as if he had ever had any!) it wasn't for him to betray his trust, was it? Which sentiment (there never being any creditors present) was received as doing great honour to his feelings. Thus, he generally brought away a soothed conscience and left an agreeable impression behind him, when he returned to his bracket: again to sit watching the strange faces of the accountants and others, making so free with the great mysteries, the Books; or now and then to go on tiptoe into Mr Dombey's empty room, and stir the fire; or to take an airing at the door, and have a little more doleful chat with any straggler whom he knew; or to propitiate, with various small attentions, the head accountant: from whom Mr Perch had expectations of a messengership in a Fire Office, when the affairs of the House should be wound up.

To Major Bagstock, the bankruptcy was quite a calamity. The Major was not a sympathetic character — his attention being wholly concentrated on J. B. — nor was he a man subject to lively emotions, except in the physical regards of gasping and choking. But he had so paraded his friend Dombey at the club; had so flourished him at the heads of the members in general, and so put them down by continual assertion of his riches; that the club, being but human, was delighted to retort upon the Major, by asking him, with a show of great concern, whether this tremendous smash had been at all expected, and how his friend Dombey bore it. To such questions, the Major, waxing very purple, would reply that it was a bad world, Sir, altogether; that Joey knew a thing or two, but had been done, Sir, done like an infant; that if you had foretold this, Sir, to J. Bagstock, when he went abroad with Dombey and was chasing that vagabond up and down France, J. Bagstock would have pooh-pooh'd you — would have pooh— pooh'd you, Sir, by the Lord! That Joe had been deceived, Sir, taken in, hoodwinked, blindfolded, but was broad awake again and staring; insomuch, Sir, that if Joe's father were to rise up from the grave to-morrow, he wouldn't trust the old blade with a penny piece, but would tell him that his son Josh was too old a soldier to be done again, Sir. That he was a suspicious, crabbed, cranky, used-up, J. B. infidel, Sir; and that if it were consistent with the dignity of a rough and tough old Major, of the old school, who had had the honour of being personally known to, and commended by, their late Royal Highnesses the Dukes of Kent and York, to retire to a tub and live in it, by Gad! Sir, he'd have a tub in Pall Mall to-morrow, to show his contempt for mankind!'

Of all this, and many variations of the same tune, the Major would deliver himself with so many apoplectic symptoms, such rollings of his head, and such violent growls of ill usage and resentment, that the younger members of the club surmised he had invested money in his friend Dombey's House, and lost it; though the older soldiers and deeper dogs, who knew Joe better, wouldn't hear of such a thing. The unfortunate Native, expressing no opinion, suffered dreadfully; not merely in his moral feelings, which were regularly fusilladed by the Major every hour in the day, and riddled through and through, but in his sensitiveness to bodily knocks and bumps, which was kept continually on the stretch. For six entire weeks after the bankruptcy, this miserable foreigner lived in a rainy season of boot-jacks and brushes.

Mrs Chick had three ideas upon the subject of the terrible reverse.

The first was that she could not understand it. The second, that her brother had not made an effort. The third, that if she had been invited to dinner on the day of that first party, it never would have happened; and that she had said so, at the time.

Nobody's opinion stayed the misfortune, lightened it, or made it heavier. It was understood that the affairs of the House were to be wound up as they best could be; that Mr Dombey freely resigned everything he had, and asked for no favour from anyone. That any resumption of the business was out of the question, as he would listen to no friendly negotiation having that compromise in view; that he had relinquished every post of trust or distinction he had held, as a man respected among merchants; that he was dying, according to some; that he was going melancholy mad, according to others; that he was a broken man, according to all.

The clerks dispersed after holding a little dinner of condolence among themselves, which was enlivened by comic singing, and went off admirably. Some took places abroad, and some engaged in other Houses at home; some looked up relations in the country, for whom they suddenly remembered they had a particular affection; and some advertised for employment in the newspapers. Mr Perch alone remained of all the late establishment, sitting on his bracket looking at the accountants, or starting off it, to propitiate the head accountant, who was to get him into the Fire Office. The Counting House soon got to be dirty and neglected. The principal slipper and dogs' collar seller, at the corner of the court, would have doubted the propriety of throwing up his forefinger to the brim of his hat, any more, if Mr Dombey had appeared there now; and the ticket porter, with his hands under his white apron, moralised good sound morality about ambition, which (he observed) was not, in his opinion, made to rhyme to perdition, for nothing.