"The Letter of Credit" by Susan Warner is a story about the Carpenter family and follows Mrs. Carpenter and her daughter, Rotha, who face hardship after losing their family farm. The story shows how they face duty, faith, and the results of unexpected changes, as they meet a rich stranger who wants to help them during their troubles. In the beginning, Rotha dreams of being a writer to escape her boring life as she talks with her mother in their farmhouse kitchen. They discuss their struggles with money problems when the stranger, Mr. Southwode, come into their lives when he suddenly becomes ill near their home. With kindness and dedication, Mrs. Carpenter cares for him, showing the strength and nature of their family. When Mr. Southwode gets better, he shows his thanks by giving the Carpenter family a letter of credit to help them with money when they need it, which open up doors for what comes next in their lives.

The Letter of Credit
By Susan Warner
When a mysterious stranger suddenly appears, ill and needing help, a struggling family’s act of kindness changes their lives forever, for both better and worse.
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2011-05-18
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Summary
About the AuthorSusan Bogert Warner was an American Presbyterian writer of religious fiction, children's fiction, and theological works. She is best remembered for her massive bestseller The Wide, Wide World. Her other works include Queechy, The Hills of the Shatemuc, Melbourne House, Daisy, Walks from Eden, House of Israel, What She Could, Opportunities, and House in Town. Warner and her sister, Anna, wrote a series of semi-religious novels that had extraordinary sales, including Say and Seal, Christmas Stocking, Books of Blessing, and The Law and the Testimony.
Susan Bogert Warner was an American Presbyterian writer of religious fiction, children's fiction, and theological works. She is best remembered for her massive bestseller The Wide, Wide World. Her other works include Queechy, The Hills of the Shatemuc, Melbourne House, Daisy, Walks from Eden, House of Israel, What She Could, Opportunities, and House in Town. Warner and her sister, Anna, wrote a series of semi-religious novels that had extraordinary sales, including Say and Seal, Christmas Stocking, Books of Blessing, and The Law and the Testimony.
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