6 Mich. 70 | Mich. | 1858
Martin & Townsend, and one Ten Eyck, since deceased, on the 80th October, 1852, filed a bill in the circuit court of Wayne county to foreclose a mortgage, executed to the Farmers’ & Mechanics’ Bank by McReynolds and O’Flynn, and assigned by the bank to complainants. On the 1st of June, 1855, a petition was presented to the court by Martin & Townsend, stating the death of Ten Eyck after the filing of the bill, and that the cause of action survived to them, and
1st, That the personal representative of Ten Eyck was not made a party. The interest of the assignees in the bond and mortgage was the interest the bank had. In other words, they stood in the position of mortgagees, and on the death of Ten Eyck, his interest in the mortgage, as well as in the debt, survived to complainants. Mortgages are, in express terms, excepted in the statute requiring grants to two or more persons to be construed to create estates in common. — Comp. L. §§ 2628, 2629. Hence in Cote v. Dequindre, Walk Ch. 64, it was held a bill might be filed by a surviving mortgagee to foreclose a mortgage without making the personal representative of a deceased co-mortgagee a party. In Vickers v. Cowell, 1 Beav. 529, the personal representative was held to be a necessary party, as he would, in equity, be entitled to the decedent’s share of the debt, when collected. The reason given for the decision is true in point of fact, but the consequence deduced from it does not follow. When the object of the bill, as in that case and the one in Walker, and as in the case before
2d. That the assignment, as stated in the bill, does not show a legal title to the mortgage in the assignees; that is, does not show such an assignment as would authorize them to quit-claim the mortgaged premises, or discharge the mortgage of record. An assignment must be recorded before steps can be taken by an assignee to foreclose a mortgage at law, by advertisement, under a power of sale contained in the mortgage.— Comp. L. §5178. But it is not necessary to a foreclosure in chancery. A bill may be filed to foreclose a mortgage by one having an equitable right to it only. A debt secured by a mortgage, when assigned, carries with it, in equity, the mortgage as an incident to the debt, and the assignee may file a bill to foreclose the mortgage. — Green v. Hart, 1 Johns, 586; Patterson v. Hull, 9 Cow. 747; Cooper v. Ulman, Walk. Ch. 251. In such, and the like cases, the mortgagee, or person holding the legal right to the mortgage, should be a party, that there may be some one before the court to release the mortgaged premises, or discharge the mortgage of record, on payment of the debt by the mortgagor. The amended bill states, that on the first of April, 1852, the bond and mortgage were “ duly sold, assigned, and set over by the said mortgagees ” to complainants, and Ten Eyck, who died after the filing of the original bill, &e., and that complainants are “the owners and holders thereof, and entitled to have and receive all moneys due thereon, as by reference to an instrument of assignment under the corporate seal of the said corporation, and now in the possession of your ora/
3d. That the bill should not have been dismissed as to McKirihey. It does not appear McKinney, in fact, had any interest whatever in the mortgaged premises. He was not a party to the original bill, but, with a number of others, was made a party to the amended bill, as having, or claiming to have, some right in the mortgaged property as subsequent purchaser, incumbrancer, or otherwise. Complainants may have afterwards discovered he had no claim whatever, and for that reason dismissed the bill as to him. However that may be, we do not see how the appellant is to be injured by it, or what right he has to complain.
4th. That the bill does not state what amount was due when the suit was commenced. It is usual^ after setting forth the mortgage, and bond or note, if there be one accompanying it, to state the mortgage money is due and unpaid, or, if the whole is not due, the part that is, and the payments that have been made, if any. A bill would be demurrable that did not state something was due, or unpaid, although it might appear from the bill the whole, or a part, of the mortgage money had become due; for the law presumes every man has done his duty, and on that raises a presumption of payment, unless the contrary is shown. — Bailey v. Gould, Walk. Ch. 478. The bill states, that “there is now due and unpaid on the said bond, and said indenture of mortgage, more than the sum of one hundred dollars.” If this was all, we are inclined to think the demurrer should have been allowed for uncertainty in the averment. The amount claimed to be due and unpaid should be stated, that defendant, on reading the bill, may know whether it is necessary to appear and answer, to
From previous statements in the bill, it appears the bond and mortgage were given on the 15th October, 1851, for the payment of $1912.’IS, one half in one year, and the other in two years, with interest payable semi-annually. The bill was filed 80th October, 1852. From these data, the amount due and unpaid when the suit was commenced can readily be ascertained.
5th. The next and last objection is that the case was heard on the commissioner’s report, and a decree entered, without any notice of the hearing to appellant.
This was clearly irregular, and on a proper application to the court below, appellant would have been entitled to have the decree set aside, on that ground alone; but it is not a sufficient reason for reversing the decree in this court. He should have made his application there before coming here for relief. The commissioner had made his report of the amount due, to which no exception had been taken; and we are at a loss to conceive any objection, going to the merits of the case, appellant could have made to the decree, had he been present.
In Jenny v. O'Flynn, 5 Mich. 215, there were a number of irregularities following each other in quick succession, and of such a character, and at that stage of the suit, that there was no difficulty in perceiving cases in which great injustice
The decree must be affirmed with costs.
Appellant appeared on the argument of the demurrer, and was served with summons to appear on the reference before the Commissioner.