Thompson v. New England Mortgage Security Co.

110 Ala. 400
CourtSupreme Court of Alabama
DecidedNovember 15, 1895
StatusPublished
Cited by18 cases

This text of 110 Ala. 400 (Thompson v. New England Mortgage Security Co.) is published on Counsel Stack Legal Research, covering Supreme Court of Alabama primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thompson v. New England Mortgage Security Co., 110 Ala. 400 (Ala. 1895).

Opinion

HEAD,!.

The action is statutory1 ejectment to recover possession of land. The plaintiff in the court below offered in evidence a mortgage executed by the defendant, proved default therein, and a regular foreclosure, at which it became the purchaser, and rested. The mortgage showed that the wife joined in the conveyance ; her name appeared to be signed thereto, and the certificates of acknowledgement in the common form and of the separate examination of the wife were appended in strict compliance with the statute. The defendant proved, that the property sued for constituted his homestead at the time of the execution of the mortgage, and that it was within the statutory limit, in ai’ea and value. The sole defense, which defendant sought to make, consisted in his offer to show that at the time his wife signed the mortgage, and when she acknowledged it separately and [405]*405apart from him, she was totally insane, and that she had no idea or understanding whatever of the nature, character or consequences of the act she was performing. The court, upon plaintiff’s objection, refused to permit him to make this line of defense, and we have only to decide whether this ruling was correct, the appeal being prosecuted from a judgment, based upon a verdict in fa.-vor of the plaintiff after the affirmative charge had been given in its favor..

It requires no argument to prove that an insane wife is incapable of giving her voluntary consent to the alienation of the homestead ; and, hence, the question presented for our decision must resolve itself into, and must be determined by the result of, two other inquiries : First, whether by reason of the insanity of the wife the husband may alone alienate the homestead; and if not, then, second, whether the certificate of the officer who examined her apart from the husband is conclusive of her capacity to assent to the conveyance. These questions have not heretofore been directly presented in this State.

1. The purpose of the statutes in securing an exempt homestead to every resident of the State, and in requiring the wife’s voluntary signature and assent to any alienation thereof when belonging to the husband, is to protect the wife, and through her the family, in the enjoyment of a dwelling place.—Turner v. Bernheimer, 95 Ala. 241. This court, as well as those in other States having a similar system, has adopted a strict rule on this subject, in accordance with which it is generally held that to convey the homestead there must be a strict compliance with the statutory mode of alienation. In a recent case, where we collected our previous decisions, speaking of a deed which was without the acknowledgment of the wife, we said : “By the repeated decisions of this court, as well as by the terms of the statute itself, such a conveyance is void. It is said of such a deed that it is a nullity to all intents and purposes, and confers no rights present or prospective, is totally insufficient as a muniment of title to support an action of ejectment, and is incapable of passing any estate or interest whatever in the homestead.”—Parks v. Barnett, 104 Ala, 438; Alt v. Banholzer, 39 Minn. oil, s. c. 12 Am. St. Rep. 681, and note. The insanity of the wife does not dissolve the [406]*406bond of marriage, nor withdraw her or her family from the beneficent purpose of the homestead laws. The statute is plain, unambiguous and admits of no exceptions, which would destroy its obvious design. If the occupant be a married man, the voluntary signature and assent of the wife, evidenced in the manner prescribed, are essential to a valid alienation of the homestead, unless the conveyance be made to her. Efforts have been made to engraft other exceptions, arising out of the supposed necessities of the case, upon similar statutes, but they have uniformly failed. Thus, the fact that the wife is living apart from her husband and even in another State, has been held insufficient to dispense with her signature and assent.—Johnston v. Turner, 29 Ark. 280; Williams v. Swetland, 10 Iowa 51; Herron v. Knapp, 72 Wis. 553; Bradford v. Cen. Kan. L. &. T. Co., 47 Kan. 587; Ott v. Sprague, 27 Kan. 620; Lies v. DeDiabler, 12 Cal. 327; Castleberry v. Maynard, 95 N. C. 281. In anote to Poole v. Gerrard, 65 Am. Dec. 481, on p. 488, Mr. Freeman says : ‘ 'That the wife is living apart from her husband, or is insane, will not render his sole conveyance of the premises valid.” One of the cases he cites, Alexander v. Vennum, 61 Iowa 160, is directly inpoint upon the question we are considering, and the later case of Whitlock v. Grosson, 35 Neb. 829, 53 N. W. Rep. 980, is to the same effect. No cases in conflict with these have been cited, and, after diligent search, we have found none. In the last case referred to, the court, after quoting their statute, which is not essentially different from our own, says : ‘ 'Here is a plain prohibition against the incum-brance of the homestead without the joint act of both husband and wife. It contains no exception with reference to an absent or insane husband or wife. Had Mrs. Grosson, defendant’s wife, been in fact a resident of this State, and her domicile the premises in controversy, it is plain that she would have been incapable of relinquishing her homestead right, anda mortgage executed by her would have been ineffectual for the purpose of creating a lien thereon.” In the case of Alexander v. Vennum, 61 Iowa, 160, supra, the insane wife joined the husband in the execution of the deed. After the conveyance the grantors abandoned the homestead. The court held that as the wife of McKean was insane at the time of the sale and conveyance to the defendant, the [407]*407wife could not have concurred therein, and that it was void. As the result, the premises were declared to be subject to a judgment lien against the grantor, which attached to the property, after its abandonment asa homestead. If the conveyance were void because of the wife’s insanity, the conclusion reached necessarily follows.—Smith v. Pearce, 85 Ala. 264.

In Vol. 11, Am. & Eng. Encyc. of Law, p. 147, there is a note which states that where a statute provided that the deed of a married woman, in which her husband does not join, shall not be valid, and it appears that'a husband while insane joined in a deed with his wife, such deed was held absolutely void. The case is not cited by name and we have been unable to find it. The following extract from the opinion, however, is given, which we think correctly states the law : “We think that the learned Judge who presided at the trial correctly ruled that if the defendant’s husband was, at the time he signed the deed, insane, he could give no such assent as would satisfy the statute. The deed was void to the same extent as if there had been no assent by the husband, and no subsequent action or failure to act on his part could give its validity. The cases cited by the tenant to the point, that the deed or another contract of an insane person is voidable only, and may be ratified by him after he becomes sane, do not apply to this case. No subsequent assent or 'ratification by the husband could fullfill the requirements of the statute, or give validity to the deed as the deed of the wife.” These remarks apply with equal force to the joinder by an insane wife in the husband’s mortgage of the exempt homestead in this State.

2. It is insisted, however, by the appellee that evidence aliunde

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110 Ala. 400, Counsel Stack Legal Research, https://law.counselstack.com/opinion/thompson-v-new-england-mortgage-security-co-ala-1895.