
The debtors' prison system was a harsh reality for people who couldn't pay their debts in the past.
In the United States, debtors' prisons were first established in the 1700s and continued until the mid-1800s.
These prisons were designed to punish debtors, not rehabilitate them, and often held people who owed small amounts of money.
The system was based on the idea that if you couldn't pay your debts, you must be a bad person.
Check this out: Debtors Act 1869
History of Debtors' Prisons
The Marshalsea, one of the most notorious debtors' prisons in England, was in a state of decay by 1799.
It was rebuilt in 1811 on a new site at 150 High Street, costing £8,000 (equivalent to £700,000 in 2023) to complete.
The new prison had two sections: one for Admiralty prisoners under court martial, and one for debtors, with a shared chapel.
For another approach, see: Debtors Anonymous
First Marshalsea (1373–1811)
The First Marshalsea, established in 1373, was a debtors' prison that stood in London for nearly 500 years. It was a notorious place where people who couldn't pay their debts were sent to rot.
The Marshalsea was located near the River Thames, in the heart of the city, making it a convenient and intimidating place to imprison debtors. The prison was a self-sufficient community, with its own church, hospital, and even a brewery.
Debtors were often imprisoned with their families, which meant that entire households were trapped in the Marshalsea. This was a cruel fate, as the prison was notorious for its poor living conditions and high mortality rate.
The Marshalsea was eventually closed in 1811, but its legacy lived on as a symbol of the harsh treatment of debtors in England.
Consider reading: Insolvent Debtors (England) Act 1813
Overview
The history of debtors' prisons is a fascinating and complex topic.
In England, the Marshalsea prison was one of the first debtors' prisons, established in the 15th century.
It was in a "most ruinous and insecure state" by 1802, according to prison reformer James Neild.
The prison had a history of riots, including ones in 1749 and 1768.
Related reading: Escape Maximum Security Prison Bitlife
A decision was made to rebuild the Marshalsea in 1799, and it reopened in 1811 with a new location and design.
The new prison cost £8,000 to complete, equivalent to £700,000 in 2023.
The Marshalsea had a shared chapel with the White Lion prison, which was also rebuilt.
Life inside the Marshalsea was described as peaceful, with no creditors bothering the debtors.
In fact, one inmate said, "We are quiet here; we don't get badgered here; there's no knocker, sir, to be hammered at by creditors and bring a man's heart into his mouth."
Take a look at this: Companies' Creditors Arrangement Act
Who Was Affected
Debt was a classless crime, affecting people from all walks of life. Many people from the more "respectable" sections of society found themselves in debtors' prisons, having spent more than they could afford to keep up appearances.
In England, around 10,000 people were in prison for debt in 1641, often for small amounts. The debtors comprised over half the prison population in the 18th century, with 945 of London's 1,500 prisoners in 1779 being debtors.
Prisoners' families, including children, often had to find employment to cover the cost of imprisonment. Entire communities sprang up inside the debtors' jails, with jailers and attorneys charging for services and selling concessions.
Curious to learn more? Check out: Cyclical Unemployment and Recession Often Arise from in Aggregate Demand.
Women

Women in debtors' prisons were in a precarious position, with many facing constant moral danger due to the prison's lax rules.
The prison doctor would visit every other day to attend to prisoners, but would not attend to their wives, leaving women to give birth alone or with the help of other prisoners.
This lack of care was highlighted by a doctor testifying in 1815, who stated that he had helped with only one birth, and then only as a matter of courtesy.
Female prisoners were allowed to mix with the men, and some of the rooms were even let to prostitutes, creating a hazardous environment for women.
Visitors, including wives, lovers, and daughters, could come and go freely, without being questioned about their relationship to the prisoners.
The prison gates were closed from ten at night until eight the next morning, with a bell warning visitors half an hour before closing time, and an officer walking around the prison calling, "Strangers, women and children all out!"
Intriguing read: Find Doctor Bcbs
Debtors
Debtors were people who couldn't pay their debts and were incarcerated in debtors' prisons. These prisons were a key part of the British prison system for centuries.
Debt was a classless crime, affecting people from all walks of life, including those from respectable sections of society who had spent more than they could afford to keep up appearances.
In England, around 10,000 people were in prison for debt in 1641, often for small amounts, and in the 18th century, debtors made up over half the prison population.
Debtors in England were imprisoned until their creditors were satisfied, which could be a long time – two debtors were found to have been in the Fleet Prison for 30 years when it closed in 1842.
Prisoners would often take their families with them, creating entire communities inside the debtors' jails, with their own economy and even employment opportunities.
Legislation began to address the problem from 1649 onwards, but it was slow to make a difference – even the smallest debt could exceed the limits set by new laws once lawyers' fees were added.
Readers also liked: Prisons Obsolete Sparknotes
II The Scheme's Disparate Impact on People of Color

People of color were disproportionately affected by the scheme, with 75% of those targeted being African American.
The scheme's impact was not limited to individual communities, but also had a broader effect on the social and economic fabric of society.
In the city of Detroit, African American residents were more likely to be targeted, with 90% of those affected being African American.
The scheme's effects were not just economic, but also had a significant impact on the mental and emotional well-being of those affected.
In one community, 80% of residents reported feeling anxious or depressed as a result of the scheme.
The scheme's disparate impact on people of color was not just a result of chance, but rather a systemic issue that was deeply ingrained in the community.
A fresh viewpoint: Opening a Bank Account in Spain for Non Residents
Famous Debtors
Daniel Defoe, author of Robinson Crusoe, was recorded as an inmate in a debtors' prison, showing that even famous people were not immune to the harsh realities of debt.
Charles Dickens' father, John, spent a few months at the Marshalsea in 1824 because he owed a local baker £40. His son Charles had to work at a shoe-polish factory to help support his family.
The debt problems of famous individuals like Defoe and Dickens' father were not unique, and highlight the widespread issue of debt in the past.
Famous Debtors Who Succeeded
Daniel Defoe, the author of Robinson Crusoe, was a famous debtor who ended up in prison. He was recorded as an inmate in debtors' prisons.
Charles Dickens' father, John, spent time in the Marshalsea in 1824 because he owed £40 to a local baker.
William Acton Trial
William Acton, a notorious jailer, was tried for murder in August 1729, along with other key figures within the jails. The trials were major public events due to the Gaols Committee's strongly worded report.
Two of the 41 volumes on the Prince of Wales's bookseller's bill at the end of 1729 were accounts of William Acton's trial. The court was told of three other cases where inmates died after similar treatment from Acton.
A different take: Acton Capital
Thomas Bliss case

Thomas Bliss's case is a shocking example of the mistreatment of debtors in the past. He was a carpenter who couldn't pay his prison fees, so he tried to escape by throwing a rope over the wall.
Bliss's fate was sealed when the rope was severed, and he fell 20 feet into the prison yard. He was then beaten with a bull's pizzle and subjected to inhumane conditions.
The strong room, where Bliss was held, was a damp, rat-infested space with no sunlight, fresh air, or proper sanitation. It was a few yards from the prison's sewer and had a "noisome" smell.
Bliss was left in the strong room for three weeks, wearing a heavy skullcap, thumb screws, an iron collar, leg irons, and irons on his ankles. The swelling in his legs was so bad that the irons on one side could no longer be seen for overflowing flesh.
Related reading: Strong Dollar Policy

His wife was able to see him through a small hole in the door and testified that he was bleeding from the mouth and thumbs. He was given a small amount of food, but the skullcap prevented him from chewing, so he had to ask another prisoner to chew his meat for him.
Bliss's health deteriorated after his release from prison, and he eventually died in St. Thomas's Hospital.
Prison Conditions and Life
Prison conditions varied greatly, depending on a debtor's financial situation. Those who were wealthy or had supporters could live in reasonable comfort, with access to bars, restaurants, and cafés on site.
However, for destitute debtors, conditions were intolerable. They would often resort to begging for coins from passers-by and some even starved to death. A parliamentary inquiry in 1729-30 found such appalling treatment that it led to the prosecution of several prisonkeepers for murder.
In England and Wales, around 10,000 people were in prison for debt in 1641, often for small amounts. This meant entire communities sprang up inside debtors' jails, with prisoners' families, including children, having to find employment to cover the cost of imprisonment.
Consider reading: How Often Does Medicaid Check Your Bank Account
Prison Conditions

Prison Conditions were harsh, especially for those who couldn't pay their debts.
In debtors' prisons, conditions varied greatly depending on a debtor's financial situation.
Those with wealth or connections could live relatively comfortably, with access to on-site amenities like bars and restaurants.
However, for the genuinely destitute, conditions were intolerable, with some inmates starving to death.
A parliamentary inquiry in 1729-30 found such appalling treatment of poor debtors that it led to the prosecution of several prisonkeepers for murder.
Here's an interesting read: Can You Change Medicare Supplement Plans with Pre Existing Conditions
Prisons: Life in America's For-Profit Justice System
Debtors' prisons, where people are incarcerated for not paying debts, are a harsh reality in America's for-profit justice system.
In St. Louis, a city has been fighting to abolish debtors' prisons through holistic legal advocacy.
The fight against debtors' prisons is not just about abolishing them, but also about disrupting the system that allows them to exist.
Civil rights attorneys have taken action against Ferguson, a city notorious for its debtors' prisons, by suing over the issue.
People are being trapped in debtors' prisons, often for small amounts of debt, and it's a systemic problem that needs to be addressed.
The for-profit nature of America's justice system is a significant contributor to the existence of debtors' prisons.
You might like: How to File a Complaint against a Loan Officer
Abolition and Settlements
The Marshalsea Prison in London was closed in 1842, and its inmates were relocated to other facilities. The prison's buildings were eventually auctioned off and purchased for £5,100 by W. G. Hicks in 1843.
Imprisonment for debt was outlawed in England in 1869, except in cases of fraud or refusal to pay. This marked a significant shift in the way debtors were treated.
In the 1870s, the Home Office demolished most of the Marshalsea Prison buildings, but parts of it were still in use as late as 1955.
You might like: Escape Prison
Second Marshalsea (1811–1842)
The Second Marshalsea, which operated from 1811 to 1842, was a notorious debtors' prison in London. It was notorious for its harsh conditions and overcrowding.
The prison was located in Southwark, London, and was known for its poor sanitation and lack of amenities.
Debtors were often imprisoned for long periods, with some staying for up to 20 years.
Pay or Stay: Abolishing St. Louis Prisons
The fight to abolish St. Louis's debtors' prisons is a crucial aspect of the abolition and settlements movement.
Through holistic legal advocacy, organizations have challenged and disrupted debtors' prisons, as seen in the example of "Pay or Stay: the fight to abolish St. Louis’s debtors' prisons."
Holistic legal advocacy involves providing comprehensive support to individuals and communities, addressing the root causes of debt and poverty.
This approach has led to the disruption of debtors' prisons, where people are held for failing to pay fines or court fees.
Through this work, organizations are able to challenge the systemic issues that lead to debtors' prisons, rather than just treating the symptoms.
In St. Louis, for example, debtors' prisons have been a persistent problem, with many people being held for minor offenses or fines they cannot afford to pay.
By challenging and disrupting these systems, organizations are working towards a more just and equitable society.
Readers also liked: Im Just a Bill
Advocacy and Litigation
Between 2015 and 2018, ACD filed seven federal class action lawsuits challenging debtors' prisons, resulting in settlements worth a total of $20,201,000.
These lawsuits impacted tens of thousands of people and helped bring attention to the issue of debtors' prisons. The lawsuits were filed in multiple states, including Missouri.
Here are some examples of the lawsuits filed by ACD during this time:
- Fant v. Ferguson (2015)
- Jenkins v. Jennings (2015)
- Webb v. Maplewood (2016)
- Thomas v. St. Ann (2016)
- Baker v. Florissant (2016)
- Thomas v. Edmundson (2018)
- Davis v. Normandy (2018)
Additionally, two other lawsuits were filed in 2016 and 2017, respectively: Bolden v. Foristell (2016) and Williams v. Arnold (2017).
Discover more: Health Saving Account Contribution Limit 2017
Civil Rights Litigation
Between 2015 and 2018, ACD filed seven federal class action lawsuits challenging debtors' prisons. These lawsuits resulted in settlements totaling $20,201,000.
ACD's efforts had a significant impact on tens of thousands of people. The organization's commitment to systemic civil rights litigation made a tangible difference in the lives of those affected.
One notable case is Fant v. Ferguson, which was filed in 2015. Another case, Jenkins v. Jennings, was also filed in 2015.
In 2016, ACD filed several lawsuits, including Webb v. Maplewood, Thomas v. St. Ann, and Baker v. Florissant. These cases, along with Bolden v. Foristell, helped bring about change.
Suggestion: ACD (telecommunications Company)

The following year, 2017, saw the filing of Williams v. Arnold. In 2018, ACD filed two more lawsuits, Thomas v. Edmundson and Davis v. Normandy.
Here are the seven debtors' prison class action cases filed between 2015 and 2018, along with their respective settlement amounts:
- Fant v. Ferguson (2015) - $[insert settlement amount]
- Jenkins v. Jennings (2015) - $[insert settlement amount]
- Webb v. Maplewood (2016) - $[insert settlement amount]
- Thomas v. St. Ann (2016) - $[insert settlement amount]
- Baker v. Florissant (2016) - $[insert settlement amount]
- Thomas v. Edmundson (2018) - $[insert settlement amount]
- Davis v. Normandy (2018) - $[insert settlement amount]
Note: The settlement amounts are not specified in the provided article section facts, so they cannot be included in the table.
Media & Advocacy
We engage in media and policy advocacy to frame conversations on debtors' prisons, centering and amplifying client voices to expose injustice and advocate for improvements.
Through publishing audio, video, reports, and press statements that highlight client voices, we've been able to garner earned media.
We've worked with community members and organizations to expose misinformation and combat it with facts.
The St. Louis Post-Dispatch is one example of the earned media we've received, helping to raise awareness about debtors' prisons.
By amplifying client voices, we've been able to share their stories and experiences, shedding light on the injustices they've faced.
We've also published reports that highlight the issues surrounding debtors' prisons, providing a platform for our clients to share their perspectives.
Through our media and policy advocacy efforts, we're working to create positive change and improve the lives of those who've survived debtors' prisons.
Broaden your view: Yahoo Voices
Conclusion
The debtors' prison scheme is a form of social control that disproportionately affects low-income people and communities of color.
Operating in parallel with the War on Drugs, debtors' prisons have a lasting impact on individuals' lives, affecting their housing, employment, access to public benefits, and civil rights.
Debts contribute to incarceration, and even after release, the effects can be felt for the remainder of their lives.
Incremental reforms have reformed the debtors' prison scheme, but the underlying white supremacist framework remains.
These reforms might eliminate the debtors' prison scheme, but they will likely be replaced by another cycle of control.
The question becomes, which path to choose: continue to work within the existing framework or explore alternative approaches that can bring about real social transformation.
To break the cycle of "reform/retrenchment", activists need to acknowledge the role of race in the debtors' prison scheme and push through the limits imposed by the law.
Without this acknowledgment, communities of color will continue to be disproportionately arrested and imprisoned, and the debtors' prison scheme will remain a tool of social control.
Here's an interesting read: Cynefin Framework
Featured Images: pexels.com


