Commercial Bank v. Simmonds

2 La. App. 658, 1925 La. App. LEXIS 227
CourtLouisiana Court of Appeal
DecidedApril 11, 1925
DocketNo. 1920
StatusPublished
Cited by2 cases

This text of 2 La. App. 658 (Commercial Bank v. Simmonds) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Commercial Bank v. Simmonds, 2 La. App. 658, 1925 La. App. LEXIS 227 (La. Ct. App. 1925).

Opinion

CARVER, J.

Plaintiff appeals from a judgment awarding the third opponent, J. M. Bryan, the proceeds of four mules and a mare sold under execution, in its suit against W. W. Simmonds, and claimed by third opponent under a chattel mortgage.

It alleges that the chattel mortgage is void because it insufficiently describes the property mortgaged.

In the 'alternative, it alleges that the mortgage, is a simulation or, if not, is a fraud.

I.

The description in the mortgage is as follows:

“Two mare mules of medium size weighing respectively about 900 & 1000 lbs. each about 5 years old the heavier mule being a dark bay and the lighter being a light bay .in color, and two mare mules about 6 years 'old weighing between 1000 and 1100 lbs. both black, one bay mare about 10 years old named Lieu weighing about 950 lbs. with white spots in her face.”

The mortgage contains the following statement:

“And- the said mortgagor specially declared .that he is the true and lawful owner of the movable property herein above described and mortgaged; that the same is in excess of the movable property owned by him and exempted from seizure under the constitution and laws of this state.
“And the said mortgagor does by these presents hereby bind and obligate himself, his heirs and assigns not to sell, alienate, deteriorate nor encumber the said property herein mortgaged to the prejudice of this mortgage; nor to remove said property out of the parish without the written consent of the mortgagee first obtained.”

The mortgage was passed before a Notary Public in Bienville parish and is signed by the mortgagee as well as the mortgagor.

The chattel mortgage law (Act 198 of 1918, page 372) provides, in section 2, as follows:

“That every such mortgage of property mentioned in Section 1 shall be in writing, setting out a full description of said property to be mortgaged, so that Same may be identified, and also stating definitely the time when the obligation shall mature. In order to affect third persons without notice, said instrument must be passed by notarial act and the original or a certified copy thereof shall be recorded in the office of the recorder of mortgages in the parish where the property shall then be situated, and also in the parish in which the mortgagor is a resident.”

Corpus Juris, volume 11, page 456, section 79, verbo “Chattel mortgages”, reads as follows:

“While the -courts recognize well established principles for determining the sufficiency of the description of the property, they also recognize the impossibility of fixing inflexible rules therefore. Further, the rules generally applicable to chattel mortgages as to prescription are less rigid than those applied to conveyances of realty.
“As against third persons, the description in the mortgage must point out its subject matter so that such persons may identify the. chattels covered, but it is not essential that the description be so specific that the property may be identified [660]*660by it alone, if such description suggests inquiries or means of identification which, if pursued, will disclose the property conveyed. This rule is based on the maxim, that is certain which is capable of being made certain. So a description is sufficient if it be aided by parol proof and the property covered by the mortgage identified.”

The same volume, page 460, section 93, reads:

“Although the courts recognize certain general principles determining the sufficiency of the description of animals in a chattel mortgage, they are not uniform in the application of such principles when the rights of third persons become involved. In general a description is sufficient which suggests inquiries which, if pursued, would enable third persons to identify the mortgaged property. Many cases hold that animals are sufficiently described by merely stating their characteristics in respect to age, color, height, sex, and weight, or by indicating their marks and brands; while other cases have held such description, withput reference to location, ownership or possession, to be insufficient to enable third persons to identify the property. A reference to a herd book in which animals are registered has been held sufficient in connection with a statement of location.”

In support of these propostions, many cases are cited from various states. But none from Louisiana. Nor have we been cited to any by counsel. It seems to us that under the above mentioned authorities, the description in the mortgage in this case, taken in connection with the fact that the mortgagor is stated to be the owner of the property, is sufficient to enable the property to be identified, in the absence of any suggestion in the brief that the mortgagor owned other animals answering the description in the mortgage.

Parol testimony was received over plaintiff’s objection to prove that the animals mortgaged were the same as those seized in this suit and were all the animals owned by defendant.

We think the testimony was properly received at least as to the animals, seized being those mortgaged. The ground of the' objection was that the chattel mortgage as recorded could not be altered, amended or added to or the description added by parol testimony; that the chattel mortgage itself should show that it was the same property as that seized, that is, the description must be such that the property would be known by virtue of the description itself in the chattel mortgage.

At another place, the objection was stated thus:

“That is an indirect way of attempting to. describe the property as covered by the chattel mortgage if covered at all that parol testimony is not admissible to add to or take from it is not sufficiently described to identify the mortgage.”
“For the reason any testimony for the purpose of showing description adding to or taking from the purported chattel mortgage is inadmissible cannot be altered or amended by outside testimony.”

At another place:

“For the reason parol testimony is not admissible to add to or take from or * * * the description as purported to Ije in the chattel mortgage that the * * * requires a detailed description so that same ‘ may be identified which this purported chattel mortgage fails to do and the property attempted to be mortgaged cannot be identified and a further - description given by parol testimony.”

Our understanding of section 2, as copied above, is that it is not necessary that the chattel mortgage should contain such a description of the mortgaged .property as will itself identify it but it is sufficient if the description is such as that it 'may be identified; that is to say, any one read-, ing it may from the description contained in the act together with information derived from inquiries suggested' by it, be able to identify it.

This construction is evidently the one ‘placed on chattel mortgage acts in. other [661]*661jurisdictions as shown by the citation from Corpus Juris above mentioned.

Evidently the law in the mind of the objector was Article 2276 of the Civil Code which reads as follows:

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Related

Christian v. Mahfouz
124 So. 593 (Louisiana Court of Appeal, 1929)
Valley Securities Co. v. Stafford Plauche-Locke Securities, Inc.
8 La. App. 607 (Louisiana Court of Appeal, 1928)

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2 La. App. 658, 1925 La. App. LEXIS 227, Counsel Stack Legal Research, https://law.counselstack.com/opinion/commercial-bank-v-simmonds-lactapp-1925.