Kellogg, J.
This is a suit by petition in chancery for the foreclosure of three certain mortgages. After answer and traverse, the cause was referred to a referee to ascertain and report the facts in respect to the points at issue, and those facts appear in his report. The petitioners having by their counsel abandoned, at the hearing before the referee, all claim for a foreclosure upon the mortgage from Alvah E. Hill and his wife to Chloe Robinson, set forth and described in the petition, the questions made in the case are limited to the claim of the petitioners for a [259]*259'foreclosure iu this suit ou the other two mortgages described and set forth in their petition, one of which was executed by said Hill and his wife on the 17th July, 1855, to Harriet M. Bartlett, one 'of the petitioners, she being then and still the wife of Loel Bartlett, the other petitioner, and the other oí which was executed by Thomas Ghostling on the 9th of March, 1857, to said Loel Bartlett. It appeared that on the same 9th of March, 1857, the said Loel Bartlett conveyed the mortgaged premises, which are situated in the town of Searsburg, to said Ghostling by a deed of warranty with the usual covenants, and that previous to this conveyance the said Hill and wife had conveyed their interest in the mortgaged premises to Joseph Eames, and that said Eames had conveyed the same to the said Loel Bartlett. On the 9th of July, 1857, Ghostling^ conveyed the said premises to Aaron Pike, who on the same day conveyed the same to the defendant.
I. The first question which arises in the case is whether the petitioners are entitled to a decree oí foreclosure on the mortgage executed by Hill and wife to the petitioner Harriet M, Bartlett. It is claimed on the part of the defendant that the two mortgages which are now sought to be foreclosed — one being executed to the wife and the other to the husband — could not properly be joined in the same petition. An objection like this, if not raised upon the pleadings, will, in general, not be regarded when made at the hearing, and in this case the defendant not having stated the objection in his answer, nor by demurrer or plea, so as to have given the petitioners an opportunity to apply for leave to amend their petition, we think that it ought not now to affect the cause. Story’s Eq. PI., §271, 544, and notes. The defendant further claims that as he has title to the mortgaged premises by virtue of a conveyance from Ghostling, executed on the 9th of July, 1857, which is stated in the report of the referee, the petitioners are estopped, as to him, by the covenants in the warranty deed from Loel Bartlett to Ghostling, which was executed on the 9th of March, 1857, from asserting any right of foreclosure on this-mortgage, executed to the petitioner, Harriet M. Bartlett, inasmuch as it was in force and outstanding at the date of her husband’s deed to Ghostling ; but we think that the estoppel claimed ¿ould only apply to an outstanding incumbrance arising from a: [260]*260mortgage which the husband held in his own right at the time of his conveyance to G-hostling, and that it cannot be set up against the separate right of the wife, or have any effect upon property held in her separate right. She was not a party to the covenants contained in the deed from her husband to Ghostling, and ought not to be bound by them when the effect would be to deprive her of the enjoyment of her separate property. In the case of Stearns v. Stearns, 30 Vt. 213, it was held that the fact that a note is made payable to a married woman during coverture, and is expressed to be for value received, (both of which conditions exist in the case of the note secured by the mortgage executed by Hill and wife to Harriet M. Bartlett,) imports, prima facie, that the consideration proceeded from her or her real or personal estate, and that if the consideration of a note so executed to a married woman consists of her property, or proceeds from her.as the meritorious cause, it becomes her chose inaction, which survives to her on the death of her husband,'or passes to her administrator on her death, unless reduced to actual possession by the husband before her death. The cases of Richardson v. Daggett, 4 Vt. 336; Driggs, adminstrator, v. Abbott, 27 Vt. 580; Holmes v. Holmes, 28 Vt. 765, are decisive authorities on this point. There is nothing in this case to show that the husband ever reduced to possession the note secured by this mortgage, and the joining of his wife with himself as a party to this suit, so far from being evidence of an intention on his part to reduce this note to possession, would lead to a contrary conclusion. Treating this note, then, as the separate property of the wife, there can be no doubt that she may join with her husband in an action of law upon it. Richardson v. Daggett, 4 Vt. 336, per Phelps, J., on p. 343-4. In Story’s Eq. PL, §63, it is said that in practice, where a suit in equity is brought by the wife for her separate property, the husband is sometimes made a co-plaintiff with her, “ but this practice is incorrect, and in all ^such cases she ought to sue, as sole plaintiff, by her next friend, and the husband should be made a party defendant, for he may contest that it is her separate property, and the claim may be incompatible with his marital rights.” The cases which recognize this rule, as stated by Judge Story, proceed on the ground that where the husband and wife [261]*261join in the suit as co-plaintiffs, or answer as co-defendants, it is to be considered as the suit or defence of the husband alone,'•and' that the wife would not be bound by a suit instituted bv her husband, and that such a suit would not prejudice a future claim by the wife in respect of her separate estate, and that 'not only ought the wife to be protected'in the enjoyment of her separate estate, but the parties also who are sued ought to be protected against concurrent or consecutive demands of the husband suing in the names of himself and his wife, and of the wife suing by her next friend. But an objection t.o the joinder of the husband with the wife as a co-plaintiff, where the suit relates to her separate property, must be taken by demurrer, and, if not thus taken, it cannot be entertained at the hearing. Story’s Eq. PL, §544'. Where, however, the suit is for a chose in action of the wife, not settled to her separate use, the defendant cannot object to the husband’s suing jointly with her as co-plaintiff, nor will her right to a settlement be prejudiced by the fact of her husband being so joined with her in the suit. 1 Daniell’s Chanc. Pl. and'Pr., (Perkins’Ed.,) 143. In any point of view, therefore, this suit, at this stage of the proceeding, must be regarded as being properly instituted in the names of the husband and the wife as co-plaintiffs, for the purpose of enforcing her separate right, and as we are satisfied that there is no estoppel arising from the covenants of her husband’s deed to G-hostling which can be set up to defeat her rights growing out of the mortgage executed to her, it necessarily follows that the petitioners are entitled to a decree of foreclosure on that mortgage against the defendant.
II. The petitioners also claim to be entitled to a decree of foreclosure on the mortgage executed by Ghostling to Loel Bartlett on the 9th of March, 1857. The defendant’s answer denies any notice or knowledge of the existence of that mortgage at the time the premises were conveyed to him on the 9th of July, 1857. The certificate of the town clerk of Searsburgh on the record of the mortgage in his office, states that the mortgage was “received and recorded on the 9th day of March, 1857, at 9 o’clock, A.
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Kellogg, J.
This is a suit by petition in chancery for the foreclosure of three certain mortgages. After answer and traverse, the cause was referred to a referee to ascertain and report the facts in respect to the points at issue, and those facts appear in his report. The petitioners having by their counsel abandoned, at the hearing before the referee, all claim for a foreclosure upon the mortgage from Alvah E. Hill and his wife to Chloe Robinson, set forth and described in the petition, the questions made in the case are limited to the claim of the petitioners for a [259]*259'foreclosure iu this suit ou the other two mortgages described and set forth in their petition, one of which was executed by said Hill and his wife on the 17th July, 1855, to Harriet M. Bartlett, one 'of the petitioners, she being then and still the wife of Loel Bartlett, the other petitioner, and the other oí which was executed by Thomas Ghostling on the 9th of March, 1857, to said Loel Bartlett. It appeared that on the same 9th of March, 1857, the said Loel Bartlett conveyed the mortgaged premises, which are situated in the town of Searsburg, to said Ghostling by a deed of warranty with the usual covenants, and that previous to this conveyance the said Hill and wife had conveyed their interest in the mortgaged premises to Joseph Eames, and that said Eames had conveyed the same to the said Loel Bartlett. On the 9th of July, 1857, Ghostling^ conveyed the said premises to Aaron Pike, who on the same day conveyed the same to the defendant.
I. The first question which arises in the case is whether the petitioners are entitled to a decree oí foreclosure on the mortgage executed by Hill and wife to the petitioner Harriet M, Bartlett. It is claimed on the part of the defendant that the two mortgages which are now sought to be foreclosed — one being executed to the wife and the other to the husband — could not properly be joined in the same petition. An objection like this, if not raised upon the pleadings, will, in general, not be regarded when made at the hearing, and in this case the defendant not having stated the objection in his answer, nor by demurrer or plea, so as to have given the petitioners an opportunity to apply for leave to amend their petition, we think that it ought not now to affect the cause. Story’s Eq. PI., §271, 544, and notes. The defendant further claims that as he has title to the mortgaged premises by virtue of a conveyance from Ghostling, executed on the 9th of July, 1857, which is stated in the report of the referee, the petitioners are estopped, as to him, by the covenants in the warranty deed from Loel Bartlett to Ghostling, which was executed on the 9th of March, 1857, from asserting any right of foreclosure on this-mortgage, executed to the petitioner, Harriet M. Bartlett, inasmuch as it was in force and outstanding at the date of her husband’s deed to Ghostling ; but we think that the estoppel claimed ¿ould only apply to an outstanding incumbrance arising from a: [260]*260mortgage which the husband held in his own right at the time of his conveyance to G-hostling, and that it cannot be set up against the separate right of the wife, or have any effect upon property held in her separate right. She was not a party to the covenants contained in the deed from her husband to Ghostling, and ought not to be bound by them when the effect would be to deprive her of the enjoyment of her separate property. In the case of Stearns v. Stearns, 30 Vt. 213, it was held that the fact that a note is made payable to a married woman during coverture, and is expressed to be for value received, (both of which conditions exist in the case of the note secured by the mortgage executed by Hill and wife to Harriet M. Bartlett,) imports, prima facie, that the consideration proceeded from her or her real or personal estate, and that if the consideration of a note so executed to a married woman consists of her property, or proceeds from her.as the meritorious cause, it becomes her chose inaction, which survives to her on the death of her husband,'or passes to her administrator on her death, unless reduced to actual possession by the husband before her death. The cases of Richardson v. Daggett, 4 Vt. 336; Driggs, adminstrator, v. Abbott, 27 Vt. 580; Holmes v. Holmes, 28 Vt. 765, are decisive authorities on this point. There is nothing in this case to show that the husband ever reduced to possession the note secured by this mortgage, and the joining of his wife with himself as a party to this suit, so far from being evidence of an intention on his part to reduce this note to possession, would lead to a contrary conclusion. Treating this note, then, as the separate property of the wife, there can be no doubt that she may join with her husband in an action of law upon it. Richardson v. Daggett, 4 Vt. 336, per Phelps, J., on p. 343-4. In Story’s Eq. PL, §63, it is said that in practice, where a suit in equity is brought by the wife for her separate property, the husband is sometimes made a co-plaintiff with her, “ but this practice is incorrect, and in all ^such cases she ought to sue, as sole plaintiff, by her next friend, and the husband should be made a party defendant, for he may contest that it is her separate property, and the claim may be incompatible with his marital rights.” The cases which recognize this rule, as stated by Judge Story, proceed on the ground that where the husband and wife [261]*261join in the suit as co-plaintiffs, or answer as co-defendants, it is to be considered as the suit or defence of the husband alone,'•and' that the wife would not be bound by a suit instituted bv her husband, and that such a suit would not prejudice a future claim by the wife in respect of her separate estate, and that 'not only ought the wife to be protected'in the enjoyment of her separate estate, but the parties also who are sued ought to be protected against concurrent or consecutive demands of the husband suing in the names of himself and his wife, and of the wife suing by her next friend. But an objection t.o the joinder of the husband with the wife as a co-plaintiff, where the suit relates to her separate property, must be taken by demurrer, and, if not thus taken, it cannot be entertained at the hearing. Story’s Eq. PL, §544'. Where, however, the suit is for a chose in action of the wife, not settled to her separate use, the defendant cannot object to the husband’s suing jointly with her as co-plaintiff, nor will her right to a settlement be prejudiced by the fact of her husband being so joined with her in the suit. 1 Daniell’s Chanc. Pl. and'Pr., (Perkins’Ed.,) 143. In any point of view, therefore, this suit, at this stage of the proceeding, must be regarded as being properly instituted in the names of the husband and the wife as co-plaintiffs, for the purpose of enforcing her separate right, and as we are satisfied that there is no estoppel arising from the covenants of her husband’s deed to G-hostling which can be set up to defeat her rights growing out of the mortgage executed to her, it necessarily follows that the petitioners are entitled to a decree of foreclosure on that mortgage against the defendant.
II. The petitioners also claim to be entitled to a decree of foreclosure on the mortgage executed by Ghostling to Loel Bartlett on the 9th of March, 1857. The defendant’s answer denies any notice or knowledge of the existence of that mortgage at the time the premises were conveyed to him on the 9th of July, 1857. The certificate of the town clerk of Searsburgh on the record of the mortgage in his office, states that the mortgage was “received and recorded on the 9th day of March, 1857, at 9 o’clock, A. M.” Parol evidence was introduced before the referee, and received notwithstanding objections made on the part of the petitioners to its reception, tending to show that this certificate was in fact false and, on that evidence, the referee found,-and has reported, [262]*262that this mortgage from Ghostling to Loel Bartlett was executed and delivered on the 9th of March, 1857, and left in the town clerk’s office, in Searsburgh, for record at some time in December, 1857, and was not recorded until the last.of February, 1858 ; that when the deeds conveying the premises from Ghostling to ' Pike, and from Pike to 'the defendant, were executed, which was on the 9th of July, 1857, this mortgage was neither on record nor on file in the town clerk’s office in Searsburgh ; that there was no evidence tending to prove fraud or collusion between the mortgagee and the town clerk in reference to the making of the certificate that said mortgage was recorded on the 9th of March, 1857 ; and that there was no evidence tending to show that the defendant knew of the existence 'of this mortgage when he received his deed from Pike. The only question which arises in reference to this mortgage is, whether the parol evidence which was received by the referee, and on which these facts were found, ■was admissible to contradict the certificate of the town clerk made on the record of the mortgage. The statute provisions relating to the duty of town clerks in respect to the recording of deeds and other conveyances, are contained in Comp. Stat., p. 116, see. 31, p. 117, sec. 42, and p- 385, sec. 10. It is provided in sec. 42, p. 117, ubisuphra, that “ when a deed or other instrument for record shall be left in the office of the town clerk, he shall enter upon the record of such deed or instrument the true day and time of day when the same was received into his office, and shall indorse and sign upon such deed or instrument a certificate of the same fact. This provision appears first to have been incorporated into our statute law' in the year 1834. Previous to that time, it had been held that the certificate of the town clerk of his having recorded a deed was to be treated only as prima facie evidence of the fact; and this must have been on the ground that the certificate, though no', required to be made by any statute, should be considered, when made, as being a part of the record. Taylor v. Holcomb, 2 Tyler 44; Johnson’s administrator v. McGuire, 4 Vt. 327. So it has be'en held that the certificates of justices of the peace, county clerks and town clerks of the fact of recording an execution and levy are but prima facie evidence, and may be rebutted by parol. Hubbard v. Dewey, 2 Aik. 312; Morton et al. v. Edwin, 19 Vt. 144; Myers v. Brownell, 2 Aik. [263]*263407. The same effect has been given to the certificates of town clerks of the record of the proceedings of land tax collectors. Carpenter v. Sawyer, 17 Vt. 121; Chandler v. Spear, 22 Vt. 388. Although most of these cases are applicable to certificates made at a time when they were not required by any statute provision, we think that it makes no difference in principle whether the certificates were made pursuant to a requirement of the statute or not, in the absence of any provision giving to them a conclusive effect as evidence. We cannot believe that it was the intention of the legislature, in requiring this certificate to be made, to give to it any other character as evidence than that which had always been given to it when made prior to the enactment of the statute, or that there is any rule of policy which requires that an effect not expressed in the statute, and contrary to the whole course of our decisions on the subject matter, should now be given to such certificates. We are therefore of opinion that the certificate of the town clerk made on the record of this mortgage deed, of the time when he received this mortgage deed for record, was only prima facie, and not conclusive, proof of that fact, and that parol evidence was admissible for the purpose of impeaching the certificate in this respect. The facts found and reported by the referee upon this evidence are fatal to any claim for a decree of foreclosure against the defendant on this mortgage.
As the petitioners prevail in respect to the mortgage executed by Hill and wife to Harriet M. Bartlett, and as the defendant prevails in respect to the mortgage executed by G-hostling to Loel Bartlett, there should be a severance and apportionment of the costs of suit between the parties according to the usual practice in such cases.
The decree of the Chancellor dismissing the petition is reversed, and the cause is to be remanded to the Court of Chancery, with directions to enter a decree of foreclosure in favor of the petitioners on the mortgage executed by Hill and wife to the petitioner Harriet M. Bartlett, and dismissing the petition as to the other two mortgages described and set forth therein, and apportioning the costs of suit between the petitioners and defendants according to the usual practice in cases where each party prevails in part only.