Court Opinion

ID: 6642205
Source: CourtListenerOpinion
Date Created: 2022-07-20 20:46:41.749161+00
Date Added: 2024-06-11T15:59:17.319925
License: Public Domain

Gantt, J.
It appears that after the note sued on in this action became due, three of the makers thereof made and gave to the payee other notes for the same debt — the payee retaining the original note; and in the second count of the separate answer of John M. Young, James O. Young and C. Carter, it is alleged that the defendant in error agreed to and did receive and accept these new notes in full payment and satisfaction of the note in suit. It is also alleged that the note sued on was- given upon an usurious contract. In his reply the defendant in error denies these allegations. The evidence offered at the trial upon these issues was submitted to the jury to find the facts. It is now contended that the court erred in giving to the jury the following instructions, asked by the defendant in error:
“1. Although you may find that defendants have-executed notes, and delivered them to the plaintiff, in renewal of the note sued on in this action, yet if you further find that the notes so given in renewal have been destroyed, surrendered with the knowledge of defendants, or either of them, you will find for plaintiff, unless you further find that the renewal notes were received in payment of the note in suit. 2. If the jury find from the evidence that the defendants did give notes in lieu *437of the note sued on you will find for plaintiff, if you further find that the note or notes given in renewal of the note sued on, were either returned to the defendants or destroyed, unless you further find that the renewal notes were received in payment of this note.”
Now whether the defendant in error did accept or not the new notes in payment of the one sued on, is a question of fact, which it was the province of the jury to determine from the evidence offered on the trial; and we think these instructions fairly submitted that question to the jury.
The rule of law seems to be well settled that a note given for a pre-existing debt will not discharge the original cause of action, unless it is by special contract taken in payment of such prior debt and at the risk of the creditor. It is said “ that no principle of law is better settled than taking a note, either from one of several debtors, or from a third person, for a pre-existing debt is no payment, unless it be expressly agreed to be taken as payment, and at the risk of the creditor.” Milden v. Whitlock, 1 Cow., 306. “And most clearly all the authorities go to show that, at law, accepting of a security of equal degree, either from the debtor himself with or without surety, or from a stranger alone, at the instance of the debtor, is no extinguishment of the first debt,” and therefore the giving of a new note for the same debt, without an express agreement that it shall be in payment and satisfaction of the old one, has ever been considered a mere collateral security, which does not affect or alter the original liability of the parties on the old note in any respect whatever. Weakley v. Bell, 9 Watts, 273. 1 Burr, 9. 1 Strang., 427. 1 Mod., 225. Day v. Leal, 14 Johns., 404. Ripley v. Greenleaf, 2 Vt., 129. Nicholson v. Leavitt, 4 Sandf., 308. Smith v. Harper, 5 Cal., 329. Gordon v. Price, 10 Ired., 385. 2 Am. Leading Cases, (5th ed.,) 263.
*438Again it is contended that the court erred in refusing to give the jury certain instructions requested by the plaintiffs in error. But in respect to this alleged ground of error, it need only be remarked that, as the propositions contained in these instructions are precisely the converse of the instructions given as above stated, the court properly refused to give them to the jury, for, according to the law as above stated, it would have been error to have given these instructions.
Again, there was no error in admitting evidence as to what became of the new notes, for on the trial of the cause, it was necessary for the defendant in error to produce these notes, or satisfactorily show they were destroyed or lost. Hughes v. Wheeler, 8 Cow., 80. Hays v. M’Clurg, 4 Watts, 452.
The only testimony we find bearing directly on the question of a usurious contract in the execution of the note sued on, is that of the plaintiff in error, C. Carter, and the defendant in error, and their testimony upon this question is very conflicting. In such case, the rule seems to be that the “jurors are the unfettered and final judges” of the credibility of the witnesses, and therefore the whole testimony in conflict is, generally, referrable to the jury to determine the weight due to that of each witness. Heister v. Lynch, 1 Yeates, 108. Fehl v. Goods, 2 Binn., 495. Winchell v. Latham, 6 Cow., 682. Ackley v. Kellogg, 8 Cow., 223. Sprague v. Mitchell, 1 Chitty Rep., 271. Bucklin v. Thompson, 1 J. J. Marsh, 223. Jackson ex dem, Fowler v. Loomis, 12 Wend., 27. Doe ex dem, Jones v. Fulgham, 2 Murph., 364. And it is said that “ a mere difference of opinion between the reviewing court and the court below, as to the weight of evidence, ought never, for the most obvious reasons, be deemed sufficient to reverse a judgment.” Ide v. Churchill, 14 Ohio State, 377. Jones v. Edwards, 1 Neb., 170. The preponderance of evi*439dence against the finding must be clear, obvious and decided to justify sucli interference. We do not find it so in this case, and therefore the judgment of the court below must be affirmed.
Judgment affirmed.