Casler v. Byers

28 Ill. App. 128, 1888 Ill. App. LEXIS 10
CourtAppellate Court of Illinois
DecidedDecember 8, 1888
StatusPublished

This text of 28 Ill. App. 128 (Casler v. Byers) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Casler v. Byers, 28 Ill. App. 128, 1888 Ill. App. LEXIS 10 (Ill. Ct. App. 1888).

Opinion

C. B. Smith, J.

This was a bill filed by Asahel B. Byers, appellee, against Moses Casler and his wife, Catherine M. Casler, appellants, to foreclose a mortgage. The material facts appearing in this record are these:

On the 8th day of April, 1876, Moses Casler executed his note to Richard L. Devine for §3,350, and on the same day Casler and his wife, to secure the note, executed their mortgage to Devine, conveying thereby the S. E. J of the S. E. of section No. 8, and the N. \ of the S. W. J, section No. 9, all in township 41 north, range 3, east of the 3d principal meridian, containing 120 acres.

This mortgage and its acknowledgment contained a proper release of dower and homestead, and contained a power of sale. The note was due in live years and drew ten per cent, interest, payable annually. In December, 1879, Devine discovered what he supposed was an error in the description of the township in the mortgage. The printed portion of the mortgage gave the township thus, “ forty--;” but the figures in writing immediately following the word “forty ” and the blank were thus, “(41);” so that the whole description as to the township was thus : “ township forty--(41).” The land was in fact in township forty-one. On discovering this supposed error, Devine took a notary and called on Casler and his wife, and obtained their consent to correct the error by writing the word “one” in the blank after “forty,” and then had the mortgage re-acknowledged; but the notary, in writing out his certificate, omitted all reference to any release of homestead or dower, and the mortgage was again recorded.

After the note and mortgage became due Devine advertised it for sale, in default of payment under the power conferred in the mortgage, and in his advertisement recited the amount due November 1, 1881, at §5,042.86. Casler became alarmed lest he should lose his farm and appealed to Byers to help him. The farms of these two men adjoined. Byers was a man of considerable means, with a large farm, and a neighbor of Casler. Casler told him they were going to sell him out. Byers told him he would see what he could do for him. Byers did not háve the money but went to. one R. D. Rowen to see if he could borrow it. He succeeded in borrowing 84,000 of Rowen with the promise of getting §500 more, in the spring. Casler had agreed to reduce the amount of the mortgage to §4,500, if Byers would help him. Casler borrowed the other §500 from Updike. At the time appellee applied to Bowen for the loan he asked Bowen to take the loan himself, but Bowen was then about starting to California and said he had no time to attend to it, but would take the loan himself in the spring when he returned, if the security was satisfactory; and Byers then expected to be relieved of the loan to Casler in the spring. When the parties met at Devine’s to pay him his money and transfer the note and mortgage to appellee it was found that Casler conld not reduce the amount of the mortgage to §4,500, and that he lacked §84.80 of having enough. Appellee loaned him this amount also, with an agreement that it should be paid back in thirty days, hut it has never been paid.

Aside from this mortgage made to Devine by Casler,.it appears that there were other dealings between these two men which had been running for years, and that Casler had executed chattel mortgages to Devine at different times to secure debts, and it also appeared that Devine had taken judgments against Casler, and that there were unsettled dealingsbetween them up to the day of the transfer of the note and mortgage to appellee. The mortgage became due April 8, 1881. On March 10, 1881, the evidence shows that Casler and Devine then had a settlement of their affairs and reduced the result to writing and signed it. By this settlement Casler owed Devine, including the amount of the mortgage, §4,855.

Again, on November 23, 1881, when Devine, Casler and Byers were all together at Devine’s bank,-the account was all gone over between Casler and Devine in the presence of appellee, and the precise amount due on the note and mortgage again agreed on and reduced to writing and signed by Casler, wherein it is stated that the precise amount dne on said note and mortgage is $4,500, neither “more nor less,” and this agreement was given to appellee as the true amount dne on the mortgage which he was buying for the sole benefit of his friend and neighbor Casler, and to save his farm from being sold; and to further accommodate him he extended the time of payment of the mortgage for five years and reduced the rate of interest from ten to seven per cent. After this settlement, then, appellee paid Devine the §1,500 and took an assignment of the note and mortgage. After this arrangement was completed, Casler requested appellee to keep the note and mortgage himself and not let Rowen have it. He again complied with this request.

When the note and mortgage became due it was not paid and this bill is filed for the foreclosure of that mortgage.

The defendants, Casler and his wife, answer the bill and deny that they requested appellee to buy the note and mortgage and deny that they agreed that any particular sum was due, and allege that, at the time appellee bought the note, theie was an unsettled account between Casler and Devine and that appellee knew it at the time of his purchase, and deny there is now due on said mortgage §1,500, or any interest thereon to appellee, and allege that while the note was in Devine’s hands Casler had paid §2,500 on the note and that appellee knew it. There is no claim of homestead set up in the answer. The case was referred to the master who took the evidence and reported it hack to the court. The case was heard on bill, answer, replication and proofs taken, and a decree rendered for complainant in conformity with the prayer of the bill for the amount due on the note and mortgage and §500 solicitor’s fee. Appellants have brought the record here for review.

Appellants first assign for error that the court erred in not decreeing that they were entitled to a homestead as against snch mortgage. This claim is based on the assumption that the mortgage as it was first executed did not cover the land in township 11, and that after it was amended by inserting the word “one” after “forty” there was no new acknowledgment waiving homestead. There is nothing in this objection. The mortgage covered the land in dispute as it was first executed and needed no correction. Tim amendment added nothing to the force of the mortgage except possibly to save calling a witness, some time, to show which land the Caslers owned. The mortgage in fact covered land in both townships, and where a deed or mortgage may admit of two constructions the grantee is at liberty to select the one most favorable to himself. Sharp v. Thompson, 100 Ill. 117.

At least it was but an ambiguity, which might be explained by oral testimony on the trial, and the mortgage located on the right land. But if there was any defect of description Casler and his -wife corrected it at once upon their attention being called to it. This correction would relate back to the original making of the mortgage and needed no new acknowledgment or recording.

Appellants next urge that they were not estopped to show what the real amount due on said note and mortgage was, even in the hands of appellee. They claim the right to go back and show payment of all or a large part of this mortgage to Devine while he held it.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Reynolds v. McMillan
63 Ill. 46 (Illinois Supreme Court, 1872)
People v. Brown
67 Ill. 435 (Illinois Supreme Court, 1873)
Dorsey v. Corn
2 Ill. App. 533 (Appellate Court of Illinois, 1878)
Lamar Insurance v. Pennell
19 Ill. App. 212 (Appellate Court of Illinois, 1886)

Cite This Page — Counsel Stack

Bluebook (online)
28 Ill. App. 128, 1888 Ill. App. LEXIS 10, Counsel Stack Legal Research, https://law.counselstack.com/opinion/casler-v-byers-illappct-1888.