Lord Loveland in England is besieged by his creditors and consults his mother as to what he should do. He is advised to go to America and marry an heiress. He plans to sail on a certain ship, but at the eleventh hour changes his plans and departs on another vessel without informing his relatives of the change. Meanwhile, In England, his valet, annoyed at not having been paid a year's wages, impersonates Lord Loveland. At New York's most expensive hotel Lord Loveland discovers he has but forty cents in his pocket. He goes to bank and presents his letter of credit, but the bank determines that he is a bogus Lord and will not honor the draft. Disgusted, Lord Loveland returns to his hotel, where he finds he has no credit. He is ejected and his baggage is held in lieu of the bills he has already accumulated at the hostelry. Lord Loveland is alone in a strange world and with forty cents in his pocket.