Roland v. Logan

18 Ala. 307
Supreme Court of Alabama·Decided June 15, 1850·Published·Cited by 17 cases

Opinion

DARGAN, C. J.

This action is founded on a promissory note made by the defendant, payable to Mildred Hogue, who endorsed it to the plaintiff’s testator. The evidence showed that Mildred Hogue, the payee, at the time the note was executed, and also, at the time of the endorsement thereof, was a married woman, and that she and her husband lived together in the State of Georgia, until about twelve years ago, when she removed with her children to this. Sate, where she has resided ever since. For some time, she kept a boarding-house, and afterwards managed a small farm for herself, and her children. Jesse Hogue, her husband, never came to Alabama, but remained in Georgia, where’ he died in the year 1847, never having asserted any title or claim to the note. The testimony also tended to prove that the defendant promised to pay the endorsee, after he had acquired the note. These are the material facts*out of which grows the question, whether the endorsement of the note by Mildred Hogue gave to her endorsee a title that would enable him to maintain a suit upon the note in his own name.

The general rule of law undoubtedly is, that if a bill or note be made payable to a married woman, whose husband is under no civil disability or incapacity, it is by operation of law payable to the husband, and he may endorse, or negotiate it, or sue upon it in his own name; for the legal existence of the wife being suspended during the coverture, or rather incorporated into that of her husband, a promise to her during coverture is a promise directly to the husband. — Commonwealth v. Manly et al., 12 Pick. 173; Jones v. Warren’s Adm’r., 4 Dana 333; Story on Bills, §92. This is the general rulé, but it is subject to several exceptions,, which- are founded upon reason and justice. Thus for example, if the husband has abjured the realm, or if he is banished from his country, the capacity of his wife to contract is restored. So, too, it is well settled, that if a' bill or note be made payable to a married .woman, although the title to it vests in the husband, if he sees fit to assert it, yet he may allow her to endorse it in her own name, and if he assents to her endorsement of it, (which may be presumed from circumstances as well as expressly proved) her endorsee acquires a good title, not only as against the-husband, but also against the parties to the bill. In the case of Cates v. Davis, 1 Campb. 485, the action was on a note payable [311] to Mrs. Carter, and by her endorsed to the plaintiff. It appeared on the trial that Mrs. Carter was the wife of one Cole,’ who was still living, but that she passed in the world as Mrs. Carter., It was also shown that the plaintiff had paid a valuable consideration for it, and when the note fell due, the defendant had asked for indulgence and had promised to pay it. Lord Ellenborough said that a husband may authorise his wife to endorse bills of exchange and promissory notes as his agent, and it may be presumed that he authorised her to endorse them in the name by which she was known to the world. In the case of Prestwick v. Marshall, 7 Bing. 565, a bill of exchange was drawn and endorsed by a married woman in her name with the husband’s consent, and it was held that her endorsee could recover. Again in the case of Miller v. Delamater, 12 Wend. 433, a note was made payable to a feme dum sola, and she endorsed it after her marriage in her own name, under circumstances that warranted the presumption that it was done with the husband’s consent. The Supreme Court of New York held that her endorsee was entitled to recover. Judge Story in his treatise on bills, after stating the general rule that a bill payable to a married woman is payable to her husband, says, “and he may at his election endorse, or negotiate it, or sue on it in his own name, or jointly in the name of himself and his wife; or he may allow her to endorse or negotiate it in her own name, and in this case; it may be declared on as a bill endorsed by the husband, or by the wife with his consent, and thus a good title will be shown against the husband, as well as the other parties to the bill.” — § 92. These authorities fully satisfy my mind that a bill or note payable to a married woman may be endorsed by her in her own name with the assent of her husband, and her endorsee will acquire a valid title ; and this assent of the husband may be presumed from circumstances, as well as expressly proved ; and I should hold that the circumstances under which this note was made and endorsed would fully justify the jury in coming to the conclusion that the husband assented to the endorsement. It is true, there was no evidence that he ever knew of the existence of the note; but if a husband permits his wife to take her children to a foreign country, or to another State, and there enter into business for their support and maintenance, and by her industry she acquires rights and property to which he never asserted [312] any title during his life, nor ever came to the country where she had located, it must be presumed that he intended that she should contract in reference to property as a feme sole, and as such, might receive payment of debts contracted with and due to her, and endorse bills or notes which she had acquired; and thus his assent to the endorsement of the note in question might be fairly and reasonably infered.

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Roland v. Logan, 18 Ala. 307 (Ala. 1850).

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