St. Clare’s letter reaches the Shelby plantation, and Aunt Chloe learns about Tom’s new situation. Mrs. Shelby raises the idea of purchasing Tom with her husband, but Mr. Shelby is still facing financial difficulties and cannot afford to buy back his former servant. When Mrs. Shelby offers to assist with their debts, Mr. Shelby dismisses her, saying "You don't know anything about business." 

However, the author notes that Mrs. Shelby has a strong and practical mind, superior to her husband's. She suggests giving music lessons to raise money, but Mr. Shelby refuses, as he feels it would be dishonorable for his wife to work.

Aunt Chloe suggests that she could work for a baker to earn extra money to buy back her husband. Mrs. Shelby agrees to this plan and says she will do what she can to help. The chapter ends with Master George intending to write to Tom and inform him of the steps being taken to bring him back to his family.