Hamer v. Harrell
Hamer v. Harrell
Opinion of the Court
The action was trover, by the present defendant against the plaintiff in error, for a negro boy. A bill of exceptions, taken on the trial, shews, that a contract, in the nature of a mortgage, had been entered into between the parties ; it was evidenced by an instrument, signed and sealed by Hamer, in April, 1828; by which it was declared, that for and in consideration of three hundred dollars, to him paid by Harrell,- he then delivered into the service and possession of .said Harrell, the slave in question; and did thereby authorise said Harrell to keep the slave to his own use, until he, Hamer, should pay back to Harrell the said three hundred dollars, and upon the payment of which, at such time as might -suit Hamer’s convenience, Harrell was to' return the- slave to him or his order; and while he kepthim, treat him with humanity. Under this mortgage, the def’t in error received & retained possession
The exceptions further state, that Hamer, the then defendant, with- a, view of showing that the three hundred dollars and interest, had been discharged by the payment of the one hundred and eighty four dollars; together with the se'rvice of the slave while he was in Harrell’s possession; asked a witness, what was the value of the hire of the slave for that time; which evidence the court rejected, as being irrelevant to the issue. The then defendant also moved the court to instruct the jury, that if, from the evidence, they believed the hire of the negro, or the value of his services, was more than the legal rate of interest on the money advanced, the overplus should stand as a credit on the original debt, and that if the money paid, and this overplus, was sufficient to discharge the debt, they should find for him. He also requested instruc
It is assigned for error, that the court rejected ,the evidence, and refused the instructions to the jury, as stated in the exceptions.
In support of the assignment, the counsel for the plaintiff in error, has referred to many decisions, mostly of Kentucky, to shew, that, the law will not enforce a contract, like the "one under consideration, accord-, ing to its literal import; that courts of justice will give it a just and equitable interpretation, and treat it as a mortgage; or, they will pronounce it usurious and void.
On the contrary, it is insisted, that this contract is peculiar, and must stand on its own merits;' that it was at the option of Hamer, to redeem or not — he might have chosen to treat it as a conditional sale, and never .have terminated it; consequently, the.property must have been at the risqué of Harrell. It is, therefore, contended, that the contract is legal and valid, according to its stipulation's.
The authorities cited maintain the general proposition contended for, on the part of the plaintiff. In the case of Richardson, Adm’or &c. vs. Brown,
Many other cases in that State, recognise a similar doctrine; and rule, that, if, on- conditional sales, the vendees secure the repayment of more than the money advanced, and legal interest, as the price of redemption, such contracts are usurious-Knox vs. Black
The same doctrine was held, by the court of appeals, in Virgiuia, in the case of Robertson vs. Campbell & Wheeler.
It was ruled, that parol evidence was admissible, to prove that the bill óf sale was intended to operate as a mortgage. And, after satisfactory proof, that such was the fact, the mortgagor was permitted to redeem the slaves, on the usual terms, and was decreed an allowance for the profits of the slaves, while in the possession of the mortgagee.
It will be observed, that most of the cases cited, were suits in Chancery; and, where relief has been afforded in Chancery, even in cases that were considered usurious and void, at law, the accounts, between the parties have been equitably adjusted. In such cases, the lenders of money are, usually, decreed the amount of their principal and interest, as the terms of redemption. In equity, the legal rate of interest on money, is held to be. the just compensation for its use — and not the profits, which have been, or could be made, from it. This practice, of allowing principal and interest, in usurious contracts, when necessarily brought into Chancery, is sustained, alone, on the principle, alluded to, that he who seeks relief in equity, must do equity.
But, in law, the rule' is otherwise, in all cases of usury, under statutes like ours, which declare such ■con-... tracts null and void. If they be tainted with usury, the law will not recognise them, in whole nor in part.
In this state of the case, the evidence was offered, which the plaintiff contends, was erroneously rejected. The record states, that Hamer, with a view of shewing that the three hundred dollars and interest had been discharged by the payment of the one hundred and eighty-four dollars, together with the service of the slave while he was in Harrell’s possession, asked a witness what was the value of the hire of the slave during that time. JBut the court rejected the testimony.
It appears from the language of the record, as well as an intimatioh from his counsel in argument, that Hamer, as defendant below, was unwilling to avail himself of the defence of usury, perhaps he considered it odious to do so : this feeling, if it existed, he had a right to indulge, and to abide the consequence. The substance of the question propounded to the witness,
3 Bibb. 207.
1 Marsh. 298.
Ib 65
2 Call's Rep. 354.
1 Wash 14.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.