96 Wis. 342 | Wis. | 1897
It appears from the record: That April 1, 1893, the defendants Henry and Ernestine Muth executed and delivered to the plaintiff a mortgage, to secure an indebtedness of $10,000 and interest, upon three separate pieces of real estate, one known as the store property, another as the homestead, and still another as two lots. That, default having been made in the payment, this action for the foreclosure of the mortgage was commenced January 28, 1895. That such proceedings were had therein that judgment was entered upon the default of all the defendants, April 18, 1895, for $10,740.60. That February 28, 1896, that judgment was,. upon motion of the appellant herein, vacated and set aside as to her, so far as it covered the homestead and her inchoate right of dower in the two lots mentioned. That among such motion papers is an answer of the appellant to the effect that she had but little •experience in business matters; that she was able to read printed English with diíñcuity, and written English not at all; that she was requested to sign the mortgage by her husband, who told her it covered his store property; that, .for the purpose of obtaining her signature to the mortgage, her husband deceitfully concealed from her the fact that the mortgage was also upon the homestead and upon the two lots mentioned; that she did not intend to make or give a mortgage upon her homestead, nor upon said lots, and did not know that they were included in the mortgage so given; that she was not indebted to the plaintiff in any sum; that the indebtedness secured by the mortgage was for money loaned to her husband long prior to the execution of the mortgage. That upon the issues raised by such answer the -case was tried by the court. That at the close of the trial the court found, as matters of fact, in effect, that the defendants Mr. and Mrs. Muth executed under their hands ■and seals, and delivered to the plaintiff, the mortgage in -question; that said mortgage ivas duly attested by two sub
The question whether Mrs. Muth executed the mortgage-voluntarily, or was induced to do so in ignorance of its contents, by the deception and false pretenses of her husband, was fairly tried by the court, and the findings are against her. These findings seem to be sustained by the evidence. It is true that her husband was not her agent for the purpose of such execution, nor was he the agent of the plaintiff.. In the absence of fraud or mistake, she’was conclusively presumed to know the contents of the mortgage, and was. bound by the description therein contained. Fuller v. Madison Mut. Ins. Co. 36 Wis. 603; Morrison v. Phillips & C. Const. Co. 44 Wis. 410; Sanger v. Dun, 41 Wis. 620; Herbst v. Lowe, 65 Wis. 321; Loibl v. Breidenbach, 78 Wis. 53, 54. The mere fact that she could only read printed English, but. could not read written English, is no excuse. It was, at most, negligence on her part. Id. The formal execution, and acknowledgment of the mortgage are fair and regular upon their face, and are not impeached. According to the-testimony on her part, her husband told her that the mortgage covered the store, but failed to tell her that it also cov-
The suggestion that there cannot be two judgments in the case is not here involved, since there is but one judgment as-against Mrs. Muth, and she is the only one who has appealed.
By the Court.— The judgment of the circuit court is affirmed.