Court Opinion

ID: 5460332
Source: CourtListenerOpinion
Date Created: 2022-01-09 19:34:02.745841+00
Date Added: 2024-06-11T08:32:41.731268
License: Public Domain

By the Court,

Johnson, J.
The statute (2 R. S. 359, § 3) provides that all judgments hereafter rendered in any court of record shall hind and he a charge upon the lands, tenements, real estate and chattels real of every person against whom any such judgment shall he rendered, which such person may have at the time of docketing such judgment, or *573■which such person shall acquire at any time thereafter; and such real estate and chattels real shall he subject to be sold upon execution to be issued upon such judgment.
By the act of 1850, (Sess. Laws of 1850, ch. 260, § 1,) it is provided that, “ in addition to the property now exempt by law from sale under execution, there shall be exempt by law from sale on execution for debts hereafter contracted, the lot and buildings thereon, occupied as a residence, and owned by the debtor, being a householder and having a family, to the value of one thousand dollars.”
Before the defendant’s judgment was docketed, the debtor had filed the requisite notice to exempt his real property from sale on execution. The judgment was docketed on the 18th of January, 1859, and the plaintiffs’ mortgage was executed and delivered by the judgment debtor on the 1st day of April, 1859. On the same day that the mortgage was executed and delivered, the debtor, by a written instrument, in pursuance of the statute, waived all the benefits of the same, which he had secured by the filing of his previous notice. It is insisted on behalf of the plaintiffs that the defendant’s judgment never bound, or became a charge upon, the premises of the judgment debtor; or if it did, it was sub=ject to the prior incumbrance of their mortgage.
The exemption, it will be seen, is from sale on execution only, and does not exempt the property from being bound and charged by the judgment. It seems to me, therefore, that within the very terms of the statute the defendant’s judgment bound and became a charge upon the premises in question the moment it was docketed, which charge, however, could not be enforced by execution until the waiver was executed and acknowledged. This waiver, being full and exphcit, determines the exemption, to aE intents and purposes, and leaves the property liable to be sold on any execution which may be issued upon the judgment, the same as though no such exemption had ever existed. It removes the only obstacle to the complete enforcement of the Hem and *574charge created by the judgment. This exemption would also cease and determine, undoubtedly, as it seems to me, without any waiver, whenever the owner who had secured it in his favor should cease to occupy it as a residence, or to own it, during his life. The statute only applies to property thus occupied, which is owned by the debtor. The exemption is a mere personal privilege, which the statute secures to the debtor, and to his widow and children after his decease, which does not run with the land, and which cannot be transferred to another, with the land. The object of the statute seems to have been to secure a habitation to families, rather from motives of public policy than the protection of the debtor’s property against the claims of his creditors. And hence it did not exempt the property from becoming bound and charged by a judgment, but from sale on execution only, so long as the exemption should continue in force. The case of Allen v. Cook, (26 Barb. 374,) which was, I think, correctly decided, is conclusive upon this question. The judgment, therefore, has priority over the mortgage as a lien upon the premises, and must be first satisfied.
[Monroe General Term,
June 2, 1862.
Welles, Smith and Johnson, Justices.]
Judgment accordingly.