Responds to Gray's letter discussing outstanding debts of Sir Peyton in London. Lady Skipwith candidly details her discovery of Sir Peyton's poor financial condition prior to their marriage and his later struggle to pay off his debts. She notes the difficulty of collecting debts in America and the amount of labor that it takes to run a successful tobacco farm. Agrees to pay English debt which Gray mentioned in an earlier letter but inquires whether it is the only debt outstanding.