The Somerset herald. [volume] (Somerset, Pa.) 1870-1936, 1891-02-18

1 IzIng practice than that engendefesi by ludg-
ment notes. with what is called the neither
| garment clause, was never known. Take
! an example tha. IS not uncommon IN the
I country districts at least " a sells a house
or little farm for $500, payable 500 in hand
and the remainder in ten equal annual pay
ments of 500 each. He taxes ten separate
/ Judgment notes with all the clauses OF
waiver, &C.. aud hands them 10 an attorney
Ten separate judgments are confessed there
on. adding ten sets of cost of officers ard ten
docket fees and the attorney 5 commission o {
i've per cent, sometimes more Ii the debtor
has been unfortunate daring the yea- a few
days after the first insiailmeut falls due the
creditor causes his attorney TO issue iieri
facias and may direct the sheriff to levy on
personal property and sell the same The
chances are that if this does not exhaust ali
his personally il will have 50 crippled him
that his spirit is broken. and bv the time the
second payment falls due another fieri facias
is issued, and though the rents. issues and
profits might be sufficient to give the DEBTOR
an extension under an Older statute and ena-
bic him 10 finally pay OF his home the
debtor nOw realizes that b. reason of a pros
pective waiver OF inquisition his real estate
must at once be sold He Is helpless and
crushed the writ is executed his property
is sold st . sacrifice and the debt is rot ali
paid Bat all ne had-the original 500 Of
hand money and his personal property--js
gone and perchance the creditor who was
the vendor now has the land, the personal
property, or It's value, and the debtors
money
Although the state has provided laws for
the collection Of debts less in amount than
$500 by suit before justices this law Is of
little conseq aenee. It's purpose was 10 relieve
TIE courts and minimize costs and expenses in (
the collection OF small debts but by reason
Of the business transactions being done on
judgment notes instead of commercial pa
per, there remains little to be done in JUS
tice's court Judgment notes are taken in
sums as low as S, and because Of the pro-
vision for the payment of an attGrney' s con- {
mission by the defendant, the creditor takes /
it to an attorney, has judgment confessed in
the common pleas and a fieri f4cias issued, .
causing the debtor TO pay often three times .
as much in costs as the debt amounts 70. (
such abuses should long since have been I
corrected BY proper legislation. They could {
be corrected by the enactment OF a Just law,
without injury 10 the creditor class. Such
legislation must be prospective. No existing
contracts would be interfered with or i'm
paired, and the constitution not violated
Neither business men, farmers. mechanics
nor indeed any class, could or woald be in
jured. Everybody would know the law and
dealings would be based on the knowledge
of an exemption law that cannot be waived
The effect OF a properly drawn law would
be 10 inspire The nea struggling 70 get a
start in lite would keep thousands in the
state who annually leave il, and would make
less room for some imported lab0rers who
50 far do not seem to make the best citizens.
New Aackerel and Lake Herring now in
stock, at MahIon Schroeks
Why go 10 Indiana State NormaI2
1. II turns out the strongest teachers.
, Il has a faculty Of twenty experts
). It's graduates get the preference Of the
good positions.
T. Is industrial department embraces
Lloyd, Manual Training.
;. II has strong departments in English
Science, Mathematics, classics.
8. Spring term opens april 6. Engage
your room early.
For information. address,
TX. SSYDEE, Principal,
Indiana, Pa