Welch v. Stearns
Welch v. Stearns
Opinion of the Court
This is a bill in equity to redeem a mortgage, dated June, 2, 1848, given by Thomas S. Welch and Angerona, his wife, to Samuel Stearns, Junior, to secure their note to him for five hundred dollars, payable in five years with interest annually.
The mortgagee, Stearns, commenced to foreclose by publication in a newspaper, in June 2, 1854. On December 19, 1877, a demand was made on the defendants to render an account of rents, profits, &c.
Angerona Welch died on 'August 3, 1851, leaving seven children, of whom the complainant, George W. Welch, is one and the other claims title as the heir of her son, a grandchild of the
The question for determination is whether or not the complainants are barred by the foreclosure in this case. The mortgagee, Stearns, on April 20, 1854, published the following notice in the Democratic Advocate, a paper printed in the county in which the land is situated, the first publication bearing date April 20. The notice was continued three weeks successively.
"Foreclosure of mortgage.
"Whereas, Thomas S. Welch and Angerona Welch of Minot, county of Cumberland and state of Maine, on the second day of June, A. D. 1848, made and executed to me, the undersigned, a mortgage deed of a certain tract or parcel of land, with the buildings thereon, in Minot aforesaid, which deed is recorded in the Cumberland registry, book 210, page 351, reference to said record being had for a more particular description of said deed and the premises therein conveyed, to secure the payment of a certain note, for five hundred dollars in five years, with annual interest. The conditions of the mortgage being broken, I hereby give this notice for the purpose of foreclosing the same, as by law provided. Minot, April 20, 1854. Samuel Stearns.”
This notice is all that is required by E. S., .1840, c. 125, § 5. It states the claim of Stearns, by mortgage, by reference to the record, describes the estate intelligently, gives the names of the parties to the mortgage and its date, asserts a breach of the condition and claims a foreclosure.
It is denied that the notice given was sufficient. But it is a full compliance with the statute in force. A change had taken place in the boundaries of Cumberland county and a new county liad been formed between the giving of the mortgage and the notice of foreclosure. But courts and parties are bound to take notice of the limits of counties and any changes of those limits by legislative action.
It is objected that the certificate of the register of deeds, as required by § 5, is insufficient. It is as follows.
"Certificate of register.
"The foregoing is a true copy as appears of the Democratic
The notice of the foreclosure was printed "three weeks successively.” The evidence shows the first publication to have been April 20, 1854, the second, April 27, the third, May 4. The name and date of the paper is given in which it was last published. The copy of the printed notice is recorded within thirty days of the last publication in the appropriate registry of deeds. Clark v. Crosby, 101 Mass. 184.
The right to redeem arises from the time of the last publication and that is sufficiently apparent from the record; "three weeks successively,” indicates with certainty the date of the last publication. The notice and certificate are within the decision of this court in Chase v. Savage, 55 Maine, 543 and must be regarded as in accordance with the provisions of the statute.
The three years, in which the foreclosure would become perfected, expired on April 21, 1857. But before that time, thirteen dollars and ninety-four cents had been paid the mortgagee and by him indorsed November 27, 1855, on the note secured by the mortgage.
It appears in evidence that Stearns,.claiming a perfected foreclosure, entered in possession of the mortgaged premises, that being in possession on October 29, 1857, he conveyed by quitclaim deed, a part of the same to Elbridge G-. Millett, for four hundred and six dollars as stated in the deed, who, at the same time, gave Thomas S. Welch, the surviving mortgagor, a bond to convey to him the premises then deeded on payment of the consideration and interest within four years, just before the expiration of which period the obligee of the bond surrendered the same to the obligor.
Stearns continued in undisputed and unbroken possession of the residue of the mortgaged premises until November 1, 1871, when he conveyed the same by deed of warranty to Albert Quinby, who has remained in undisturbed possession till the institution of this bill.
The title of Steams and that of his grantors was not merely not disturbed, but was recognized by Thomas S. Welch, the surviving mortgagee, as valid, he holding under them and in subservience to their title. No question as to the validity of the title by foreclosure seems to have been made from April 20,1857, to December 19, 1877, when a demand to render an account was made. It would seem that the title of Stearns would become perfect by a continued possession, claiming title for over twenty years, that title, having, during the intermediate period, been recognized as valid.
But the complainants insist that the foreclosure was opened by the payment of thirteen dollars and ninety-four cents, on November 27, 1855, within the three years required for its completion. In most, if not all cases, when a payment in part or on the whole has'been regarded as a waiver of a foreclosure, the payment has been after its completion.
It is undoubtedly true that a payment of the debt and received as such, must, after foreclosure, be regarded as evidence tending to show a waiver of the rights thereby acquired. In the cases when part payment has been held a waiver, it will be found that there was an accompanying agreement that such should bo its effect. In Moore v. Beasom, 44 N. H. 215, it was decided that the payment of part of the mortgage debt to the mortgagee, or a part of the purchase money to the purchaser of the equity of redemption, under a verbal agreement for the postponement of the payment of the balance due, would operate as the waiver of the forfeiture of the estate and prevent a foreclosure of the mortgage. In McNeil v. Call, 19 N. H. 413, there was an agreement that if the mortgage debt should be paid by a certain time after it became due and the money was tendered within the time stipulated, it was held the forfeiture was waived and the foreclosure opened.
The whole evidence and the acts of the parties manifestly show that this was simply a part payment of a debt due; that it was not intended either by the party paying or the pai’ty receiving to affect the foreclosure which was in the process of completion. Both are witnesses and they intimate nothing contradicting the view we have taken.
It is claimed that when Millett purchased a part of the mortgaged premises on October, 29, 1857, and gave a bond to Thomas S. Welch, the surviving mortgagor, to deed the premises conveyed to him on payment of the purchase money and interest in four years, that the foreclosure was thereby opened. But we think not. The bond related to only a part of the premises mortgaged. It was given by a stranger to the mortgage. The mortgagee was no party to it. It related to premises in which his interest had
Even if the bond of Millett were to be held a waiver, it would not avail the complainant inasmuch as its terms were not complied with. Neither payment nor tender of payment is pretended. If the mortgagee would have availed himself, he should have made his tender or payment within the four years. Chase v. McLellan, 49 Maine, 375; Lawrence v. Fletcher, 10 Met. 344; Capen v. Richardson, 7 Gray, 364.
The conclusion to which we have arrived is, that there has been a perfected foreclosure of the mortgage; that neither payment of thirteen dollars and ninety-four cents made after the commencement of the foreclosure, nor the bond given by Millett to the mortgagor after it became perfected, can entitle the complainant to have the same opened.
There are numerous other questions presented for our consideration by the learned and indefatigable counsel for the complainants, but their examination, in the view we have taken of the case, is not necessary for its satisfactory determination.
Bill dismissed.
Reference
- Full Case Name
- George W. Welch and another, in equity v. Samuel Stearns and others
- Status
- Published