| Tenn. | Feb 14, 1895
In July, 1881, Louise L. Gaines, being then a minor and a married woman, joined her husband in the execution of a mortgage conveying certain realty, constituting a part of her general estate, to secure one Watkins, complainant’s intestate, in the payment of a note of $8,000. After reaching her majority, and while yet a feme covert, at the request of the mortgagee, and without any new consideration, she executed and delivered to him a paper, in the following words, to wit:
£ £ I, Louise L. Gaines, being twenty-two years of age in November, 1889, :and having signed certain notes and mortgage for $8,000 to William Watkins in 1887, when I. was a minor, hereby take pride and pleasure in ratifying, affirming, and indorsing the said acts as fully as. if I had been twenty-one years of age when I signed the same.
£ £ (Signed) Louise Lytue Gaines. ’ ’
Soon after the execution of this paper, and while yet under the disability of coverture, Mrs. Gaines died, leaving surviving her an infant of twelve years. The bill in this cause was filed, among other purposes, to foreclose this mortgage, and this infant was made a defendant thereto- In the progress of the cause, a guardian ad IItem was appointed for this minor, who interposed, for the protection of his ward, the infancy and coverture of the mother. The Chancellor decreed that the minor child had the right to disaffirm this deed, and dismissed the bill,
When the disabilities of infancy and coverture concur at the time of the execution of the deed, or mortgage, then the right to disaffirm continues until both disabilities are removed, without regard to the length of time which may elapse between the date of the instrument and the freeing óf the grantor from these disabilities. Scott v. Buchanan, 11 Hum., 467; Dodd v. Berthal, 4 Heis., 609.
This right of disaffirmance of a voidable deed is so far a personal privilege of the minor that it does not pass ■■ to a privy in estate. But it is 'otherwise as to privies in blood. To appropriate the language of Tyler, in his work on Infancy and Coverture, p. 59: “As a general rule, no one but the infant himself, or his legal representatives, can avoid the voidable acts, deeds, and contracts of- an infant, for, while living, he ought to be the exclusive judge of the propriety of the exercise of a personal privilege intended for his benefit, and when dead, they alone
Such is the law of this State as is announced in the case of Matherson v. Davis, 2 Cold., 443. In that case, an infant feme covert joined her husband in a deed, which was executed and acknowleged by her as is required by the statutes of the State in the matter of the conveyance of a married woman’s estate. She lived several years after attaining her majority, and then died while still a feme covert, leaving infant children surviving her. One of the questions in the case was, could these children dis-affirm the deed of the mother ? In answer to it the Court said: “ During the life of the grantor, no ■ one except the grantor, and, after his death, none but Ms heirs, can call the title in question on account of the infancy of the grantor at the time of the execution of the deed. And after the death of the grantor without having made the election, his heirs may do so, and thus affirm, or disaffirm, the deed, and their right to make such election may be exercised or waived in the same manner as by the grantor. ’ ’
As to the ratification attempted by Mrs. Gaines in the paper indicated in the first part of this opinion, it is sufficient to say it was ineffectual to affirm the mortgage in question, if, indeed, it could be affirmed by her during coverture. Not • only was
The decree of the Chancellor, dismissing the bill so far as the minor’s interest is concerned, is affirmed.