American National Bank v. Madison

137 S.W. 1076, 144 Ky. 152, 1911 Ky. LEXIS 593
CourtCourt of Appeals of Kentucky
DecidedJune 8, 1911
StatusPublished
Cited by29 cases

This text of 137 S.W. 1076 (American National Bank v. Madison) is published on Counsel Stack Legal Research, covering Court of Appeals of Kentucky primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
American National Bank v. Madison, 137 S.W. 1076, 144 Ky. 152, 1911 Ky. LEXIS 593 (Ky. Ct. App. 1911).

Opinion

Opinion op the Court by

Judge Lassing

— Reversing.

Fonzo Madison, a yonng man who had been employed for a number of years by W. S. Claypool & Co., hardware merchants of Bowling Creen, Kentucky, was charged with being short in his accounts. He admitted an indebtedness to the firm of $3,500, and surrendered certain personal property which he owned which, when sold, reduced the shortage to $2,500. After some negotiations, his father, J. R. Madison, and his mother, Josephine Madison, executed to Claypool, & Co. five promissory notes for $500.00 each, due in one, two, three, four and five years, and to secure same gave a mortgage upon the farm upon which they lived. The notes were discounted by Claypool & Co. to the American National Bank before maturity. When the first note fell due it was not paid. Suit was brought upon it and a foreclosure of the mortgage sought. Josephine Madison and her husband, J. R. Madison, answered, admitted the execution and delivery of the notes and mortgage, claimed that the notes were obtained by duress, that there was no consideration for the signing of the notes further than the agreement on the part of Claypool & Co. not to prosecute their son, and that because thereof they were not bound thereon. They made their answer a cross-petition against Claypool & Co. and asked judgment against them for such sum as the bank might recover against them. The children of Josephine and J. R. Madison filed their petition, asking to be made ' parties, and ' claimed that the land described in the petition and mortgage was not the absolute property of their mother, Josephine Madison, but that she had only a joint estate with them therein, or else, a life estate with remainder to them. Issue was joined upon the questions of fact raised by the answer of Josephine and J. R. Madison, and also [154]*154upon tlie question of title or ownership to the land. Upon consideration the Chancellor held that Mrs. Josephine Madison had only a life estate in the mortgaged land, with remainder to her children. He found that the bank was an innocent holder of the notes by reason of its purchase thereof before maturity without notice of any infirmity, and therefore directed a sale of the life estate of Josephine Madison in the land to satisfy said notes. He further found that the notes were executed by Josephine and J. R. Madison to prevent their son from being prosecuted for embezzlement, and, on the cross-petition of Josephine and J. R. Madison, he gave them a judgment against Claypool & Co. for such sum as the bank might realize from a sale of the life estate of Josephine Madison in the mortgaged land. Being dissatisfied with this finding and judgment, the bank and Claypool & Co. prosecute this appeal.

We will consider first the character and extent of Josephine Madison’s title to the land in question. She acquired it by deed from her father and mother, George W. Campbell and wife, and in said deed we find the fol- . lowing recitations:

‘ ‘ This indenture, made and entered into this 19th day of February, 1904, by and between George W. Campbell and Hester T. Campbell, his wife, parties of the first part, and Josephine E. Madison, formerly Campbell, and her bodily heirs, parties of the second part, * # *
“Witnesseth: That the parties of the first part for and in consideration of the love and respect which they have for Josephine E. Madison, who is their daughter, and her children, have this day bargained and sold * * * and convey unto the parties of the second part a certain tract or parcel of land * * * To have and to hold unto the said Josephine E. Madison and her bodily heirs.”

What estate were George W. Campbell and his wife attempting to give to their daughter! This must be determined from a consideration of the language used in the deed.

In Bowe et al v. Richmond et al., 109 S. W., 359, this Court, speaking through Judge Settle, said:

“We know of no better rule of construction than that announced by Judge Kent in Jackson v. Meyers, 3 Johns (N. Y.), 388, 3 Am. Dec., 504: ‘The intent, when apparent and not repugnant to any rule of law, will control [155]*155technical terms; for the intent and not the words is the essence of every agreement. In the exposition of deeds the construction must he upon the view and comparison of the whole instrument, and with the endeavor to give every part of it meaning and effect. ’ ’ ’

The grantors in this deed state that, in making the conveyance, they were moved by the love and respect which they had for their daughter, Josephine, and her children. Several, if not all of them, were living.at that dáte. In the caption of the deed Josephine E. Madison and her bodily heirs are made parties, and the habendum clause is to Josephine Madison and her bodily heirs forever. The words “bodily heirs” and “children” are evidently here used synonymously, “bodily heirs” having the same meaning as “children.” Where they are so used they are not words of limitation but of purchase. This Court has many times been called upon to construe wills or deeds in which the use of the words “bodily heirs” and “heirs of her body” have been employed. In some instances they have been held to be words of limitation and in other words of purchase, the court being governed in each instance by the intention of the parties as gathered from the entire instrument. As said by Judge Cofer, in the case of Davis v. Hardin, etc., 80 Ky., 672,

“The object of all construction is to discover and effectuate the intention of the person whose writing is to be construed, and while technical rules may aid in many cases in accomplishing the result sought, they are not to be followed when the court is satisfied, from an examination of the. instrument, that to follow the rule is to defeat the intention.”

( The intention is gathered from the language or words of the writing, and this language should always be read in the light of attending circumstances and the relation of the parties to the contract.

When thus considered it is apparent that the grantors in the case under consideration were wanting to provide for their daughter and her children a home, which she should enjoy to the fullest extent during her life, and they likewise desired to make provision for her children. This purpose can only be effectuated by construing the language used to create an estate for life in the wife, with remainder to her children. To hold that the language used created a joint tenancy or joint ownership among* their daughter and her children would be to defeat the evident aim and intent of the grantors.

[156]*156In Foster v. Shreve, 69 Ky., 519, the granting clause in the deed under consideration was to Susanna Rogers and her present heirs. In determining what estate Susanna Rogers took, this court said,

“To give to the deed any operation as to those persons designated therein as the present heirs of Mrs. Rogers, by which term we do not doubt the grantor intended to include the four children of his daughter, Mrs. Rogers, they must be construed to take in remainder,” etc.

In Fletcher v. Tyler, 92 Ky., 145, the deed under consideration contained this language:

‘ ‘ This indenture made and entered into this the 28th day of May, 1851, by and between O. F.

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Bluebook (online)
137 S.W. 1076, 144 Ky. 152, 1911 Ky. LEXIS 593, Counsel Stack Legal Research, https://law.counselstack.com/opinion/american-national-bank-v-madison-kyctapp-1911.