created for me a problem that I could hardly overcome. Many a night I could not sleep, the strain on my mind was so great. But my family and I kept on working very hard and paid out but little for labor.
        Brother Fred was very fine with me and he offered to take his cattle back if I preferred him to do so. (This was at a time when most everybody wanted the money which I was oweing them.)
        In the January of 1925, we took 150 head of bulls and heifers to the Ogden show for sale. After the sale we were able to take home $5,000.00 after expenses of sale were paid.
        (I was not long, however, in getting a Federal Land Bank Loan on land and getting money to pay off the note to Knight Trust and Savings Bank.)
        Later I sold to Boyce Wells the farm I secured from John C. Whiting. The sales price about $12,000.00. He paid me about 4 or 5 thousand dollars, and gave me a mortgage on the property to secure the balance of the debt.
        There was a previous mortgage on this property to the State of Utah Land Board and I immediately sold my mortgage to Dr. Wherritt for face value. This I did to pay off my indebtedness at the Heber Bank.
        I supposed everything was going along OK when one night, Dr. Wherritt approached me. Said he, "Boyce Wells has never paid one dollar in interest on the mortgage you sold to me and he has gone broke. I am holding you responsible for my money. You have endorsed the note he gave you, when you signed it over to me." I was sure in a mixup.
        He said, "The farm is no good to him. He cannot now pay off the note. If you will go to him I think he would deed the ranch back to you. If you will get it back I will be lenient with you. You are a good farmer and I can trust you."
        I could see, as it then seemed, my only chance was to follow his advice. I talked to Geo. B. Stanley his attorney. It was his opinion I had better get Wells to turn the farm back to me. In the course of a short time I again had the deeds for the place and had paid to the State Land Board all the interest past due.
        A short time later, Geo. B. Stanley said to me, "Hyrum, do you know that the Chipman Bank has $17,000 mortgage on all the Boyce Wells property. Your ranch is included in that mortgage." (I had trusted him, knowing he was the County abstractor and was aware of every mortgage entered.)
        Well, I could see I had more trouble. No use for me to pay off all the debts and leave the land free for the Chipman Bank and their assigns. I had to do something however, to keep Dr. Wherritt from entering suit against me. The Chipman Bank had gone into the hands of the receivers.
        I went to American Fork and consulted the receiver in change. I asked him how much the Boyce Wells ranch was worth to them. There was the State Land Board Mortgage and the Mortgage of $7,000 and the interest due Dr. Wherritt, taxes, etc. which they must pay. He thought a moment, then asked me what I