Case Name: Noland et ux. v. The State, ex rel. Wasson, Auditor
Court: Supreme Court of Indiana
Jurisdiction: Indiana
Decision Date: 1888-09-27
Citations: 115 Ind. 529
Docket Number: No. 13,334
Parties: Noland et ux. v. The State, ex rel. Wasson, Auditor.
Judges: 
Reporter: Indiana Reports
Volume: 115
Pages: 529–533

Head Matter:
No. 13,334.
Noland et ux. v. The State, ex rel. Wasson, Auditor.
¡PeeADING.— Mortgage, Foreclosure of. — Promissory Note.— Complaint. — Demurrer. — Location of Mortgaged Premises. — "Where a complaint for foreclosure of a mortgage and for judgment on a promissory note secured thereby states a cause of action upon the note, a copy of which is set •out, an objection that the mortgage sued on does not show that the real estate, mortgaged is situate in any county in this State can not be reached by a demurrer for want of facts.
Mortgage.— Misdesa-iption of Mortgaged Premises.— Reformation of Instniment. — Pleading.—Complaint.—"Where it is shown by the complaint that a mortgage sued on was delivered to the auditor of a county to secure a loan of the common school fund of the State, and the instrument ■shows on its face that it was signed and acknowledged in that county, by residents thereof, the true and full description of the mortgaged premises, if omitted from the mortgage, may be supplied by the aid of proper averments in the complaint.
Married "Woman. — Tenancy by Entireties. — •Act of March 25th, 1879. — Debt of Husband. — Pleading.—Answer.—Necessary Averment. — An answer by a married woman, to a complaint to foreclose a mortgage, executed while the act of March 25th, 1879, was in force, that the mortgaged real estate was held by her and her husband as tenants by entireties, and that the debt secured was the debt of her husband, is insufficient, in the absence of an averment that she acquired her interest therein by gift, descent or devise.
.Same. — Separate Property. — Improvement of, and Discharge of Liens Upon.— Mortgage. — Lien.—Where money is borrowed by the wife, or by the husband and wife, or by either of them, for the purpose of discharging valid liens existing on the wife’s separate property, or for a purpose which enures to its benefit 6r protection, a mortgage properly executed on her separate property may be enforced.
From the Montgomery Circuit Court.
M. E. Clodfelter and T. E. Ballard, for appellants.
J. H. Burford and W. B. Herod, for appellee.

Opinion:
Mitchell, J.
On the 5th day of June, 1880, Erastus W. Noland and Levina Noland, his wife, executed their joint promissory note for $450, payable to the State of Indiana for the use of the common school fund, and secured its payment by a mortgage on real estate owned by them as tenants-by entireties.
Having made default in the payment of the debt, this suit was bz'ought by the State, on the relation of the county auditoz', to foreclose the mortgage.
The complaint is in the ordinary form, except that it contains an averment that the money borrowed was used to pay off a prior encumbrance on the land, and it also contains the further averment that, by the mutual mistake of the parties,, the real estate mortgaged was incorrectly described, in that the woi'ds "In Montgomery county, Indiana/- were'omitted from the description as written in the mortgage.
The appellants insist that the complaint did not state facts sufficient to constitute a cause of action, and that their demurrer to it should have been sustained. This position is-untenable.
The complaint was for the foreclosure of a mortgage and for judgment on a note, copies of which instruments wez'e pz'operly set out. It did not, as the appellants assume, proceed upon the theory that the plain tiff was seeking to be subrogated to the lien of the prior mortgage, which had been discharged with the money borz'owed from the school fund. The averments in that connection may be regarded as surplusage, and yet the complaint is entirely sufficient as a bill for the foreclosure of the mortgage. So the objection that the mortgage does not show that the real estate mortgaged was situate in any county within the State of Indiana. This objection could not be reached by a demurrer for want of sufficient facts, since the complaint, in any event, stated a cause of action upon the note, a copy of which was set out. Bayless v. Glenn, 72 Ind. 5.
Besides, the complaint was entirely sufficient in z'espect to that feature of it which sought a reformation of the description in the mortgage. It may be conceded, whez'e the description in a mortgage is so ambiguous and uncertain as to render the instrument an absolute nullity, as in case it affords no clue to the State, county or locality in which the land is situate, that it can not be made valid by reformation, but the mortgage under consideration is not void for uncertainty. White v. Stanton, 111 Ind. 540.
It was delivered to the auditor of Montgomery county to secure a loan of the common school fund of the State, and it shows upon its face that it was signed and acknowledged in that county by mortgagors residing therein. Taking into consideration the facts which appear upon the face of the mortgage, that the mortgage was signed and acknowledged in Montgomery county, by residents of that county, and that the law required the auditor to take security on land situate in that county, and the legal presumptions which flow from those facts make the present a case in which a true description may be supplied by the aid of proper averments in the complaint. Dutch v. Boyd, 81 Ind. 146; Bryan v. Scholl, 109 Ind. 367.
In the first paragraph of her separate answer the defendant Lavina Noland alleged, in substance, that she was a married woman at the time she executed the mortgage in suit, being then, and still continuing, the wife of her co-defendant, Erastus C. Noland; that the mortgaged real estate w;as owned by herself and husband as tenants by the entireties, and that the debt secured was the debt of her husband. This answer was very properly held insufficient. The mortgage was executed while the act of Mai'ch 25th, 1879, was in force. It does not appear from the averments in the answer that the wife acquired the property by gift, descent or devise. The pleading fails, therefore, to show that the mortgage was within the inhibition of the above act. Prior to the taking effect of the act of March 25th, 1879, married women had the power, under the provisions of section 5 of an act approved May 31st, 1852, to encumber their real property by deed in which their respective husbands should join, without limit. The act in force at the time the mortgage in suit was executed prohibited a married woman from encumbering her separate property, acquired by descent, devise or gift, as a security for the debt or liability of her husband or any other person. Frazer v. Clifford, 94 Ind. 482; Vogel v. Leichner, 102 Ind. 55; Orr v. White, 106 Ind. 341.
Under the law as it existed prior to the act of 1881, a wife had the general power in equity, as well as under the statute, to encumber her real estate by a deed in which her husband should join, except as restricted by the act of 1879. In order, therefore, to have made the answer good, it was necessary that it should have appeared that the real estate in question was acquired in such a manner as to have brought the mortgage within the prohibition of the statute;
Under issues made by other paragraphs of the answer, the court found specially, among other things, that the title to the land had been acquired by Lavina Noland as a gift from her husband, but that it was, at the time it was so acquired, subject to a mortgage of three hundred dollars, due for purchase-money.
It was further found that the money borrowed from the school fund was borrowed and used for the purpose of paying off the prior purchase-money mortgage. To the extent that the money was so applied the court enforced the mortgage in suit against the land. It has been held again and again, that where money was borrowed by the wife, or by the husband and wife, or by either of them, for the purpose of discharging valid liens existing on the wife's separate property, or for a purpose which enures to the benefit or protection of her property, a mortgage properly executed on her separate property may be enforced. Fawkner v. Scottish etc., Co., 107 Ind. 555; Fitzpatrick v. Papa, 89 Ind. 17; Vogel v. Leichner, supra; Cupp v. Campbell, 103 Ind. 213; Jouchert v. Johnson, 108 Ind. 436.
The court did not err in admitting the prior mortgage in evidence. It was competent, in connection with the other testimony which tended to show that it remained unpaid until it was discharged with the money borrowed from the school fund. The evidence tends to sustain the finding. There was no error.
Filed Sept. 27, 1888.
The judgment is affirmed with costs.