Very little is known of his life from this period until his entry into the public service of the United States. From remarks in his journal and correspondence, it is evident, in spite of his brother's property, to which he was heir, and some other property and money which he had amassed by trading, which was invested in the island of Tobago, West Indies, that he continued for some time in very straitened circumstances. He speaks of having lived for nearly two years on the small sum of fifty pounds. It is probable that his poverty was due to his inability to realize upon his brother's estate, and the difficulty of getting a return of his West Indian investments, on account of the unsettled political conditions, though they were of considerable value. During this period, however, he took that step which has been a puzzle to so many of his biographers, and which he never explained in any of his correspondence that remains. He came to America under the name of John Paul; he reappeared after this period of obscurity under the name of John Paul Jones.

It is claimed by the descendants of the Jones family of North Carolina that while in Fredericksburg the young mariner made the acquaintance of the celebrated Willie (pronounced Wylie) Jones, one of the leading attorneys and politicians of North Carolina. Jones and his brother Allen were people of great prominence and influence in that province. It was Jones' influence, by the way, which in later years postponed the ratification of the proposed Constitution of the United States by North Carolina. Willie Jones seems to have attended to the legal side of Paul's claims to his deceased brother's estate, and a warm friendship sprang up between the two young men, so dissimilar in birth and breeding, which, it is alleged, ended in an invitation to young Paul to visit Jones and his brother on their plantations.

The lonely, friendless little Scotsman gratefully accepted the invitation--the society of gentle people always delighted him; he ever loved to mingle with great folk throughout his life--and passed a long period at "The Grove," in Northampton County, the residence of Willie, and at "Mount Gallant," in Halifax County, the home of Allen. While there, he was thrown much in the society of the wife of Willie Jones, a lady noted and remembered for her graces of mind and person, and who, by the way, made the famous answer to Tarleton's sneer--wholly unfounded, of course--at the gallant Colonel William A. Washington for his supposed illiteracy. Morgan and Washington had defeated Tarleton decisively at the Cowpens, and in the course of the action Washington and Tarleton had met in personal encounter. Washington had severely wounded Tarleton in the hand. The Englishman had only escaped capture by prompt flight and the speed of his horse. "Washington," said the sneering partisan to Mrs. Jones, "why, I hear he can't even write his name!" "No?" said the lady quietly and interrogatively, letting her eyes fall on a livid scar across Tarleton's hand, "Well, he can make his mark, at any rate."