Ætna Line Insurance v. Hesser

4 L.R.A. 122, 77 Iowa 381
CourtSupreme Court of Iowa
DecidedMay 14, 1889
StatusPublished
Cited by13 cases

This text of 4 L.R.A. 122 (Ætna Line Insurance v. Hesser) is published on Counsel Stack Legal Research, covering Supreme Court of Iowa primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ætna Line Insurance v. Hesser, 4 L.R.A. 122, 77 Iowa 381 (iowa 1889).

Opinion

Beck, J.

I. The facts upon which the decisive questions in this case arise are these: The mortgage which plaintiff seeks to foreclose was executed by J. H. Hesser, and conveys certain lands in Webster county. Before the execution of the mortgage a judgment had been rendered against Hesser, and in favor of one Coost, and another by a justice of the peace of Louisa county, a transcript of which had been filed in the office of the clerk of the district court of Webster county, before plaintiff’s mortgage was executed and íi\eáíAaI Tpcord. Plaintiff insists that its mortgage" is the parai)aoim'fc lien, for the reason that defendants’ judgment w^s n°t shown by the ‘ ‘index of all liens” required to be kqPkby the clerk of the district court in his office.

II. The decisive question in the case is this : Is plaintiff’s mortgage lien superior to the lien of defendants’ judgment, on the ground of the absence of an entry thereof upon the index required to be kept by law % The facts upon which this question is to be determined are as follows: Defendants’ judgment, it may be assumed, was duly rendered, and' a transcript thereof was filed in the clerk’s office in Webster county. Plaintiff, however, insists that the judgment was rendered against “J. H. Hesse.” We waive inquiry on this point, as it need not be determined, in view of the conclusion we reach on another branch of the case. It is also insisted that the judgment, after being filed in Webster county, was not, before plaintiff’s mortgage was executed, entered upon the “index of all liens,” required to be kept by Code, section 197, subdivision 8. This position is disputed by defendants. We find the facts to be that [383]*383the entry upon this index intended to indicate the judgment gives the name of defendant as J. EL. Hesse. The evidence upon this disputed point is as follows: The plaintiff caused an abstract of the title of the land to be made before the mortgage, which was for money loaned, was accepted. The examiner found no lien against Hesser. An agent of plaintiff, to verify the examiner’s work, examined the index of the liens, and found nothing against Hesser. They both testify that their examinations were carefully made. The first examiner testifies that some time after, in his presence, the clerk’s attention being called to the entry on the index, he changed the name by adding an r to the name Hesse. This evidence is positive, plain and direct. It is sought to be discredited by proof that a person who the witness declares called the attention of the clerk to the name, and saw the change made, was not present. The witness afterwards states that he was not acquainted with the person referred to, and that he might have given the name which was repeated by the witness, or might have stated that he was the agent or representative of a person of that name. But the witness is corroborated by the agent of the plaintiff, who examined the title. He testifies that when the mortgage was executed the name Hesse had no r affixed to it, and that it was afterwards changed by the addition of that letter. But the clerk himself corroborated plaintiff’s witness on this point. He testified as follows: ££I recollect of some person being in my office about that time, and, in looking up the records in regard to this matter, my attention was called to the name on the lien index. The question arose as to whether the name was Hesse or Hesser. My recollection is that I thought it was Hesser, but made it plainer, by making or lengthening the curve on the last letter, but I cannot now recollect whether it was Mr. Lewis and Mr. Williams who was present in the office, or who it was.” Williams, referred to in this testimony, is the examiner of the title, and the witness testifying for plaintiff and Lewis is the person he states was present when the change was made. [384]*384The only disagreement between the clerk and plaintiff ’ s witness is that the clerk says the change was simply making the name plainer by ‘ ‘lengthening the curve on the last letter.” He admits that there was a change, but wishes it to be understood that it was only a little change. But, according to his own admission, the change was such as to make an r out of a curve, which, to say the least of it, made certain that which even to him was an uncertainty. This was plainly a change of the record, wholly unauthorized and unlawful, if not criminal. No custodian of records is authorized thus to tamper with them. The alteration is to be disregarded, and the record is to be regarded as it stood before it was tampered with. We find it unnecessary to go to the transcript of the record, or to consider certain photographs of the original records. We reach the conclusion that the index was changed upon the evidence before us, as presented in the abstract, which, so far as the facts stated by us are concerned, is not disputed. We are to regard the index as showing a judgment against J. H. Hesse, and not J. H. Hesser.

III. It is plain that the names are so dissimilar that one searching for encumbrances would not be charged with notice of the judgment, or put on inquiry. Thomas v. Desney, 57 Iowa, 58; Howe v. Thayer, 49 Iowa, 154.

IV. Code, section 197, provides that the clerk of the district court shall keep, as a record of his office, “a book in which an index of all liens in the district court shall be kept.” The same statute requires indexes of record books, judgment dockets and of some other records to be kept. These records and the indexes are all to be kept for use, to the end that the proceedings of the court and encumbrances upon property may be readily discovered. It is obvious that the law requires all of them to be correctly kept, and any one consulting the proper index is authorized to rely upon its fulness and correctness.

[385]*385V. It is pi An that the “index of all liens” shows all judgments irithe court to which the records pertain. If such liens may be tounaR^TLOnsaiting other indexes, the searcher is not required to resort thereto after having examined the “index of all liens,” for he is authorized to rely upon its fulness and accuracy. The plaintiff, therefore, after having caused this index to be examined, was not required to pursue inquiry through other indexes.

YI. We are required to inquire whether a judgment or transcript of a judgment, found in the records of the clerk’s office, is a lien, and operates as notice thereof, if the index required by statute be wanting. It is the settled policy of the law to require notice to be given to all the world of the title to and encumbrances upon real estate, to the end that an innocent purchaser, having no notice of liens or adverse claims not disclosed by the records in the manner prescribed by the statute, will hold land as against such claims and liens. Judgments and liens, in order to bind land as against persons having no actual notice thereof, must appear of record in the manner prescribed by the law; that is, they must be found in the records wherein the statute requires them to be entered. It is plain that a judgment, though formally entered and signed upon a paper duly filed and attached to the court files, would not operate as a lien, for the reason that it is not found in the books provided by law as the receptacle of the records of judgments. The statute requires indexes to be kept, and judgments and liens to be duly entered therein. Code, sec. 197. A transcript of a judgment filed in the clerk’s office by special provisions is required to be in.dexed. Code, sec. 2885. The statute requires an index to be kept, and to be used by entering therein all liens.

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Bluebook (online)
4 L.R.A. 122, 77 Iowa 381, Counsel Stack Legal Research, https://law.counselstack.com/opinion/tna-line-insurance-v-hesser-iowa-1889.