The high cost of medical care can put a severe strain on a family’s resources. The cost of doctor visits can
be expensive, let alone the cost of medicine. This was certainly the case for Anson R. Lyon in the summer of 1842.
In a long winded letter now in the Museum’s archives, Lyon wrote to Dr. Monroe Ward: I have recently been served
on a small debt which I owe you and [I] confess to you that I am unable to settle it at this time.
Lyon’s letter gives an interesting glimpse into life in the first half of the 1800s, not only with respect to
doctor-patient relations, but also into the realities of being poor. Lyon was a school teacher - he notes that
he was obliged to write the letter during school hours - and claims to have earned less than four hundred dollars
a year. This is revealed when he cries that he cannot pay his bill because I have lost in bad debts in the last
year nearly two hundred dollars, which is more than half of all that I have earned.
In a soap-opera like twist, Lyon adds that the bill for six dollars, which the doctor says he is owed, is wrong
and offers an explanation why this is so: I have accounted for the mistake in this way viz., by supposing that
you have mistaken me for my brother who resides in the same house.
However, the key point of the letter was not to explain his sorry lot, or to alert the doctor to his billing
error, but to let the doctor know that he was wasting his time and effort trying to collect his fee because, as
Lyon repeatedly wrote: it is optional with me to pay you or not.
This “option,” as Lyon put it, was new to the citizens of New Jersey in 1842. It came from a humane change in
the law that ended the practice of jailing people for not paying their debts. Prior to the change, even a small
debt could land someone in prison until it was paid or forgiven.
Moreover, conditions for debtors in prison were far worse than for criminals. A critic at the time noted that
the government provided food, bedding and fuel for criminals; but for debtors, nothing was provided but “walls,
bars and bolts.” Many whose only fault was being poor got sick and even died while in debtor’s prison - so it was
certainly good for Lyon’s health that there were no legal repercussions for not paying his doctor's bill.