Full text of Rand McNally Bankers Directory : January 1881
The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
ry
to
c
re
rs
Di
e
nk
Ba
of the
UNITED
STATES
AND
DA
CANA
BANKING HOUSE OF
KOUNTZE
120
Broadway,
BROTHERS ,
NEW YORK .
This house is conducted with especial reference to the business of Banks, Bankers, Corporations, Mercantil
Firms, and Individuals.
INTEREST
ALLOWED ON DEPOSITS ,
Which may be checked against at sight.
Statements of Accounts rendered, and Interest credited, monthly.
CONSIGNMENTS OF GOLD, SILVER AND LEAD BULLION, CRUDE OR REFINED,
REC
ON.
Orders for the purchase
The University of Chicago
IES, promptly executed.
Libraries
BILLS OF EXCH
ON SCOTLAND,
Cres, Vita ?
Catsit Exce
entia latur
Letters of
the World.
CABLE TRA
NEW
DETR
YORK
PANY
FACTURERS OF
Burglar-Proof
FES
Tuult
Jrs and Vaults ,
Iron Doors and Shutters,
JAIL WORK , ETC.
AGENTS FOR ALL SARGENT'S LOCKS
WESTERN ENG.CO.DETROIT.
DIRECTORS.
JNO. J. BAGLEY, President.
A. S WILEY, Vice-President.
A. W RICE , Sec'y and Treas.
D. O. PAIGE, Superintendent.
PETER OLFS.
S. R. MUMFORD.
And Sargent's and Yale's Time Locks.
-
Office and
Factory, Fort Street East,
Between Beaubien and Antoine Sts..
DETROIT ,
MICH .
ADVERTISING DEPARTMENT.
E.
T.
WIRE
BARNUM'S
AND
IRON
DETROIT,
WORKS ,
MICH
MANUFACTURERS OF
WIRE & IRON RAILINGS
-FOR-
Banking Offices & Stores.
NO. 17 GATES
No. 8 Pattern - Heavy Wire Bank Railing.
I make ten or twelve different patterns of Wire and Iron Railings for
Banks, Offices, Stores, etc. Send for Illustrated Catalogue of Counter
Railings, and write for estimate.
ET.BARNUM
I make a specialty of Bank Railings and will guarantee to furnish
a better class of work than can be
procured elsewhere.
I receive
orders from all parts of the country,
and my work in all cases has given
the most perfect satisfaction.
I give below a few names of
those to whom I have recently furnished this work:
DETROIT SAVINGS BANK, Detroit, Mich.
WINDSOR P. O.,
Ont.
KANAWHA VALLEY BANK,Windsor,
Charleston, W. Va.
WAINRIGHT & HALL, Noblesville, Ind.
CALLAWAY COUNTY SAVINGS BANK,
Fulton, Mo.
J. F. RICHARDS & CO., Kansas City, Mo.
HAMILTON & CO.,
Springfield, O.
MOBILE SAVINGS BANK, Mobile, Ala.
EVANSVILLE NATIONAL BANK,
Evansville, Ind.
WILSON COUNTY BANK, Fredonia, Kan.
B. R. DAVIS & CO., - Galveston, Texas.
BANK OF MONTREAL,
- Perth, Ont.
E. H. BRITIAN, - - Clarksville, Texas.
MILLER BROS.,
Belton, Texas.
Marietta, O.
FIRST NATIONAL BANK,
NEBRASKA CITY NATIONAL BANK,
Nebraska City, Neb.
B. W. WOODBURY,
Denver, Col.
Denver, Col.
E. L. KELLOGG,
F. E. EVERETT,
Golden, Col.
LOGAN COUNTY BANK, West Liberty, O.
Sioux Fails, D. T.
DUFFY & ZEIGLER,
CHAS. SWEATT & CO.,
Fargo, Dak.
J.G. MADLAND,
Fargo, Dak.
FIRST NATIONAL BANK, Yankton, Dak.
NATIONAL STATE BANK, Oskaloosa, Ia.
TRUSTEES OF WATER WORKS,
Columbus, O.
Reno, Nev.
RENO SAVINGS BANK,
P. A. LARGEY,
Virginia City, Nev.
FIRST NATIONAL BANK, Helena, Mont.
HAGER & CO.,
Jamestown, D. T.
MORGAN & BEACH,
Fort Wayne, Ind.
SINGER MANUFACTURING CO.,
Columbus, Ga.
MERCHANTS' & MECHANICS' BANK,
Columbus, Ga
BANK OF WATERTOWN,Watertown,
Wis.
Meridian, Miss.
PEOPLE'S BANK,
D. G. AMBLER,
Jacksonville, Fla.
LEONARD BROS.,
Scranton, Pa.
KENNEY & STEWARD,
Blair, Neb.
WEBSTER COUNTY BANK, Marshfield, Mo.
MCCLELLAN & ANDERSON,
Detroit, Mich.
BLISH, MIZE & SILLIMAN, Atchison. Kan.
Jackson, Mich.
R. D. BULLOCK,
Wichita, Kan.
G. N. BYERS,
BANK OF DALLAS CENTRE,
Dallas Centre, Ia.
I make Landscape Screens, lettered for bank windows; also Wire
Signs, Weather Vanes, Roof Cresting, Window Guards, Iron Shutters,
and Wire and Iron Work of all
descriptions.
E.
No. 46 Pattern- Wrought Iron Fence .
I make about forty different patterns of Iron Fence, suitable for Resi
dences, Parks, Court Houses, Cemetery enclosures, etc. Send for
Illustrated Catalogue, and write for estimates.
T.
BARNUM ,
27, 29 & 31 Woodward Ave.
DETROIT, MICH.
ADVERTISING DEPARTMENT.
THE
DURHAM
WARM
AIR
FURNACE
FOR FIRST-CLASS HOUSES.
Superior to Steam in HEALTHFULNESS, ECONOMY and
EASE OF MANAGEMENT ;
in nowise resembling the Common
HOT AIR Furnace.
Portable and Brick Set.
We have two classes of customers,
viz .:
1st. Those who are determined
to have their houses comfortably
heated, and are willing to pay a
fair price for an efficient apparatus
that is made to last.
2nd . Those to whom a pure atmosphere is of paramount importance,
and frequently of vital necessity, and
who abominate steam heat and HOT
AIR furnaces.
Competent workmen sent to any
part of the country to set furnaces ,
and particular attention paid to the
judicious arrangement of the Heating
System, especially in cases where
other apparatus have failed.
An illustrated descriptive pamphlet will be mailed on application.
SEND FOR IT.
MANUFACTURED BY
C. W. DURHAM,
PHOTO -ENGCON
154 & 155 Michigan Ave.
CHICAGO.
L. Z. LEITER, of Field, Leiter & Co.
JOSEPH MEDILL, Editor Chicago Tribune.
REV. HERRICK JOHNSON, 4th Pres. Church.
HENRY W. BISHOP, Master in Chancery.
W. C. LARNED, of E. C. & W. C. Larned.
T. S. HAYDEN, of A. H. Andrews & Co.
DR. ALMON BROOKS.
A. J. SMITH, Merchant's Sav., Loan & Tr. Co.
ISAAC G. LOMBARD, Cashier 5th Nat. Bank.
USED BY
W. W. BOYINGTON, Architect.
P. B. WIGHT, Architect.
PLANT & WHITNEY, Architects, Minneapolis.
BENEZETTE WILLIAMS, C. E.
N. MATSON, of N. Matson & Co.
E. A. DRIVER,
W. S. CROSBY, Chicago Board of Trade.
M. S. NICHOLS,
PROF. J. B. DAVIS, C. E., Univ. of Michigan.
ETC., ETC.
HAMILTON LIT'RY SOCIETY, Ann Arbor.
LEIGHTON PINE, South Bend.
E. D. MEAGHER, South Bend.
B.
B. BUCKHOUT,
F. H.
HILL, of F. H.East
HillSaginaw.
& Co.
R. STRAHORN, of R. Strahorn & Co.
C. W. H. BEYER, Grinnell, Iowa.
A. J. HARROW, Ottumwa.
E. S. LEWIS, Juneau, Wis.
THE DURHAM PATENT SYSTEM OF
SCREW JOINT IRON HOUSE DRAINAGE
Is an Absolute and Permanent Safeguard Against
SEWER
GAS .
It has been furnished in Chicago to
E. G. ASAY, President Exposition Company.
C. C. WHEELER, Asst. Gen. Man.C&N-WRy. VANH.HIGGINS, of Higgins,Furber & Cothran
S. M. NICKERSON, President First Nat. Bank. JOHN WILKINSON, of Parkhurst &Wilkinson DR ALMON BROOKS, 240 Wabash Avenue.
JAS. J. GORE, of Chapin & Gore.
W. K. ACKERMAN, Pres't Ill. Cent. R. R. Co. W. T. BAKER, of W. T. Baker & Co.
O. W. POTTER, Pres't N. Chi. Rolling Mill Co. PALMER V. KELLOGG,Charles Kellogg & Co. ATCH., TOPEKA & SANTA FE R. R.,
at Topeka and Florence, Kansas.
JOHN C. COONLEY, Pres.Chi.Mal'ble Iron Co. HUGH R. WILSON, of Wilson Brothers.
CYRUS H.MCCORMICK, Pres.McC Har.MacCo. A. J. SMITH, Merchant's Sav., L. & Trust Co. PUEBLO & ARKANSAS VALLEY R. R. CO.,
at La Junta, Colorado.
HENRY W. KING, of Henry W. King & Co. GEO. L. DUNLAP, ex-Gen Man. C.& N-WRy.
NEW MEXICO & SOUTH'N PAC. R. R. CO.,
JOHN R. WALSH, Manager Western News Co. E. C. LARNED, E. C. &W. C. Larned.
WILBUR F. STOREY, the Chicago Times.
at Las Vegas, New Mexico.
W. C. LARNED, S
And is now being placed in all the dwellings (500) and Offices in the new town of PULLMAN.
Manufactured by
C. W. DURHAM, Civil Engineer,
(Member American Society of Civil Engineers ,)
154 & 155 MICHIGAN AVENUE, CHICAGO.
ADVERTISING DEPARTMENT.
K
,
.
Y
STREET
,L
OUISVILL
MARKET
139
141
&
.
FURNISHED
APPLICATION
ON
ESTIMATES
These Wire Railings are fast superseding glass,
Wire
Dow's
Works
for they afford perfect protection ,
And they are at the same time very
Ornamental .
DIK
PRESIDEN
OFFICE
,
AND
BANKS
RAILIN
FOR
WIRE
AT
MANUFACTURED
,
WORKS
WIRE
DOW'S
5
СЛ
6
ADVERTISING DEPARTMENT.
RUBBER
STAMPS .
MADE !
BEST
THE
Satisfaction Guaranteed in all Cases .
STAMPING RIBBONS,
CHECK PROTECTORS,
DATING AND RIBBON STAMPS.
SEALS FOR NOTARIES AND CORPORATIONS A SPECIALTY
Circulars and Catalogues .
Send for
R
E
WM. BAUMGARTEN,
M
I
5 Post Office Avenue,
E
BAUMGARTENS IMP.
H
BALTIMORE.
N
E
E
G
L
OR
G
I
IM
T
U
E
L
Manufactur
& W ers .
,BA
G
Blank Book
Check and Draft
STATIONERS
and
BOOKS ,
A Specialty.
Joli Printers.
q
BANKING HOUSE and
OFFICE SUPPLIES GENERALLY.
Correspondence Solicited,
SAM'L I. POPE.
CHAS. H. PATTEN.
SAM'L
I.
POPE
&
CO.
DEALERS IN
HEATING
-AND-
STEAM
VENTILATING
Boilers,
193
Wrought
LAKE
SUPPLIES
APPARATUS ,
Iron
Pipe
STREET,
FOR
and
Fittings,
CHICAGO .
ENGINEERS ,
PUMP AND WELL DEALERS.
HAXTUNS ' BASE BURNING BOILER,
Requires filling but once in twenty-four hours. Keeps a house warm all night.
CHAPMAN'S DEEP WELL VALVES, PUMPS AND WIND MILLS.
Plans and Specifications for steam work furnished.
Special attention paid to heating public buildings generally, returning the water directly
back to boilers.
77
ADVERTISING DEPARTMENT.
RUTTAN
MANUFACTURING
COMPANY,
MANUFACTURERS OF
HEATING
AND VENTILATING
APPARATUS
FURNACES ,
SCHOOL -ROOM HEATERS, REGISTERS.
ETC., ETC.,
68
Lake
Street ,
Chicago .
.
RUTTAN
THERUTTANTUBULARFURNACE
TRADE MARK
tt
an
Sy
st
Ru
em
VE
NT
IL
We manufacture eight sizes masonry
furnaces,
AT six sizes portable furnaces, three sizes
school-room ventilating heaters, and contract for the
heating
I
O and ventilation of all kinds of
buildings. Especial attention given to the warming and N
ventilating of school buildings,
halls and churches. Liberal allowance made for old furnaces if parties wish to exchange.
Attention of school directors is called to the necessity of contracting early for work to be
done during vacations.
There are Over 2,000 of our Furnaces in Use in the Finest and Best Buildings in the West.
ALL WORK GUARANTEED. CORRESPONDENCE SOLICITED. LARGE ILLUSTRATED
CIRCULAR, A BOOK OF SIXTY PAGES, FURNISHED ON APPLICATION.
Smead's School-Room Heater is made for special use in rooms where the heater or
furnace must stand in the rooms to be warmed . It has a handsome cast iron case, an open
grate, and weighs a thousand pounds. Those who use it are enthusiastic in its praise. Send
for circular.
"This firm undoubtedly make the best Heating and Ventilating Apparatus now offered to the trade. "
-Chicago Times, Oct. 16, 1878.
President Albee, of Normal University at Oshkosh, Wis., in a recent letter says : "The Ruttan Furnaces are
the best of four different kinds that I have used during the past ten years. They are side by side with
99 others ;
the heat is more steady, the air of better quality, and they consume less fuel than any I have ever seen.'
"A recent analysis of the air in some of the school-rooms of New York city yielded twenty parts of
carbonic acid gas to 10,000, while the air in the prisons contained but fourteen parts. The ventilation of New
York school-houses is notoriously bad, and there are many school-rooms much nearer home where it is little, if
any, better. The Ruttan method of ventilation is the only natural method, and nothing but stupidity, downright
obstinacy or corruption can account for the failure to introduce it in every new school -house."-Chicago
Evening Journal, March 22, 1879.
8
이
ADVERTISING DEPARTMENT.
Wittenberg
Sorber
THE
LU
DL
-AY OW
S
L
WI OR
CO RE
COUNT
OFFICE
AND
RAILIN
,
Window
Iron
Door
Guards
,and
Banks
or
I
,f
nsuranc
Offices
e
e
tc.
LUDLOW
WIRE
CO
.,-SAYLOR
Write
for
Catalo
gue
and
Price
List
.
219
2t.
&
S
Street
Market
,M
Louis
21
o.
ADVERTISING DEPARTMENT.
THE
BEST
OF
9
ALL !
MOORE'S
COMBINATION
CABINETS .
6
CHAND
LER INDPLS.
THE COUNTING HOUSE KING.
By an INGENIOUS ARRANGEMENT of the COMBINED FACILITIES, SO ESSENTIAL
in a COMPLETE BUSINESS DESK, we have been ENABLED to DESIGN and CONSTRUCT
a LINE of OFFICE DESKS of VARIED PATTERNS, GRADES and SIZES, both SINGLE
and DOUBLE, that SUCCESSFULLY MEET the WANTS of EVERY BUSINESS AND PRO-
FESSIONAL MAN.
The accompanying illustrations represent two of our LEADING STYLES , viz :
THE KING AND QUEEN ; the FORMER DOUBLE, the LATTER SINGLE .
They are LARGELY PATRONIZED and
UNIVERSALLY APPROVED.
Address for further information ,
The MOORE COMBINATION DESK COMPANY,
Indianapolis, Ind. , U. S. A.
OR
B
ED
6 18
CD
AMERICAN STORE STOOL COMPANY,
New York and Chicago
G. V. HALLIDAY & CO.,
St. Louis and New Orleans,
GENERAL AGENTS.
THE OFFICE QUEEN.
ADVERTISING DEPARTMENT.
10
THE
BEST
OF
ALL !
MOORE'S
COMBINATION
CABINETS .
CHAND
LER OPLS.
THE COUNTING HOUSE KING.
By an INGENIOUS ARRANGEMENT of the COMBINED FACILITIES, so ESSENTIAL
in a COMPLETE BUSINESS DESK, we have been ENABLED to DESIGN and CONSTRUCT
a LINE of OFFICE DESKS of VARIED PATTERNS, GRADES and SIZES, both SINGLE
and DOUBLE, that SUCCESSFULLY MEET the WANTS of EVERY BUSINESS AND PROFESSIONAL MAN.
The accompanying illustrations represent two of our LEADING STYLES, viz :
THE KING AND QUEEN ; the FORMER DOUBLE, the LATTER SINGLE.
They are LARGELY PATRONIZED and
UNIVERSALLY APPROVED.
Address for further information,
The MOORE COMBINATION DESK COMPANY,
Indianapolis, Ind., U. S. A.
OR
AMERICAN STORE STOOL COMPANY,
New York and Chicago.
G. V. HALLIDAY & CO.,
St. Louis and New Orleans,
AND
GENERAL AGENTS.
THE OFFICE QUEEN.
11
ADVERTISING DEPARTMENT.
H.
H.
HOFFMANN ,
MANUFACTURER OF
BLANK BOOKS ,
Stationer
and
HH.HOFFMANN
MANUFACTURER .
GER
Printer,
ԱՌԱ
104 and 106 Madison St.
ANN
104-106 MADISON
STREET.
CHICAGO .
Estimates furnished on application
to Banking Corporations,
Railroad Companies,
Merchants, Manufacturers, etc.
(Photographed from the Original.)
SUPERIOR WORK AT BOTTOM PRICES
ALL WORK GUARANTEED.
F. ZABRISKIE ,
Manufacturer of and Dealer in
Rubber and
Ribbon Stamps ,
DATING, NUMBERING, SELF-INKING, ETC.,
Check Protectors, Autograph Stamps,Wax Seals, Pads and Racks
FOR BANKS, RAILWAYS AND GENERAL USE.
84
9
74
Seal Presses for Corporations , Notaries, Courts , Etc.
ALSO.
8
DOOR, OFFICE and PEW PLATES and NUMBERS,
Stencils, Badges, Checks, Rubber Type, Steel Stamps,
BURNING BRANDS ,
Printing Presses, Scroll Saws, Lathes,
AMATEUR GOODS, AND OTHER NOVELTIES
50 WOODWARD AVE . , DETROIT, MICH.
Please say where you saw this
is
Advertisement.
CIRCULARS FREE.
12
AND
ROOFS
ADVERTISING DEPARTMENT.
BRIDGES
Treas
.and
S
ec'y
BOOMER
,B.
W.
IRON
WOOD, IRON AND STEEL BRIDGES ,
HAWTIN
NT
DRA
. LL
DEARBORN
.C
ST
,I
HICAGO
BLOCK
,1
84
OFFICE
H
OWLAND
Roofs, Turning Tables, Substructures of all kinds.
ENGINEERS
.
CONTRACTORS
AND
P
L.
,. res't
BOOMER
B.
.
1849
Established
Built upon the Principal RAILROADS in the United States and Canada.
CO
&
BOOMER
B.
.L.
CLOTH
WIRE
NATION
CHICAG
MILL
Cupt
&
EVANS
O
HOLENSHADE
c
E.
to
hanged
S
VANS
.,E
2
יחחיי
CHI ERS
WORK
RD
O.WIS
EVAN
ADVERTISING DEPARTMENT.
ก
PRA
TH
E-COCH
W
Elevator
Counter
indow
and
sylum
,A
Guards
Jail
WTC.
WORK
WIRE
GARDEN
IRE
CLOTH
,E
C32
&
EVANS
c
1
HOLENSHADE
E.
to
hanged
O
.Lake
U
St.
,C
Stairs
hicago
p
Plans
send
Please
Estimates
.for
14
ADVERTISING DEPARTMENT.
A.
H.
ANDREWS
&
CO. ,
195 and 197 Wabash Avenue , Chicago , Ill .
MANUFACTURERS OF
BANK COUNTERS, RAILING, and
other Fittings. OFFICE DESKS,
over 100 styles. LADIES' DESKS,
Artistic Household Fittings, WOOD
MANTELS, ETC. , in special designs, of Mahogany, Oak, Cherry
or Black Walnut. PASSENGER
COACH INSIDE FITTINGS, INLAID FLOORS, ETC. LIBRARY
GLOBES, 8, 12, 18 or 30 inch.
PITELLER
Style No. 1. Bank Counter.
Special designs to order.
ANDREWS'
GRAND OPERA CHAIRS
They have tilting backs,
hat racks, and have
foot rest.
These improved Chairs
are adopted in Central
Nc. 60. New Polygon Desk, Open.
Music Hall, Academy of
Music, and Grand Opera
54x 33 in. Anew style. Very elegant and seemHouse, in Chicago, and ingly perfect in the convenience of its arrange" speak for themselves." ment. Polygon in place of Cylinder wholly out of
sight when open. Several sizes and styles.
The
Burr Patent Parlor Folding Bed.
These Beds occupy only
22 inches space, can be
pushed with one hand from
one room to another; enclose
mattress and all the bedding
when folded ; are made on
honor, and are fully guararteed to be the best folding
bed in existence !!
No. 35.
Office and Library Chairs
and Tables.
Solid and substantial, of oak ,
mahogany, cherry, etc.
(No. 10. Bed Open . )
(No. 10. Bed Closed . )
Address for all particulars, and Illustrated Catalogues of each Department, the Sole Manufacturers,
A. H. ANDREWS & CO. , Chicago.
• ADVERTISING DEPARTMENT.
THE
15
AGENCY.
COMMERCIAL
Established in 1842, for the Protection of Trade and Collection of Debts.
INCORPORATED NOV. 9, 1875.
GEO. B. BOARDMAN, Manager.
WM. BAKER, President.
E. S. BARROWS, Secretary.
HENRY V. FREEMAN, Attorney, in charge of Collection Department.
This Agency keeps on file fresh, accurate and detailed reports as to the worth, standing and business prospects
of all Merchants and Traders doing business in the following States and Territories :
ARKANSAS ,
ILLINOIS ,
IOWA,
MINNESOTA,
MONTANA,
OHIO.
WEST TENNESSEE,
COLORADO ,
INDIANA,
KANSAS,
MISSISSIPPI,
NEBRASKA,
TEXAS ,
WEST KENTUCKY,
WISCONSIN.
DAKOTA ,
INDIAN TERRITORY,
MICHIGAN,
MISSOURI,
NEW MEXICO ,
UTAH ,
WYOMING ,
Bankers, Merchants, Manufacturers and Business Men generally, will find it decidedly to their advantage to
make free use of the facilities afforded by us, and are respectfully requested to give us a call, or correspond with
us, with a view to investigate our method of doing Business.
TAPPAN ,
McKILLOP
&
CO. ,
No. 70 State Street, Chicago.
TENNEY
&
REESE ,
[ MANUFACTURERS OF 1-
PAT
Self -Inking
Rubber
Stamps
FOR BANKS, RAILROADS, COUNTY OFFICES AND GENERAL OFFICE USE
RUBBER
STAMPS
OF EVERY KIND AND DESCRIPTION.
Also, LATEST NOVELTIES IN POCKET STAMPS, POCKET DATERS, ETC.
LATEST AND BEST CHECK PROTECTORS, SEAL PRESSES, WAX SEALS, ETC.
It has always been our aim not to make a cheap stamp but a good stamp.
All goods sent subject to approval.
Address,
70
MADISON
STREET,
CHICAGO .
ADVERTISING DEPARTMENT.
16
HALL'S
SAFE
AND
LOCK
CO.
SOLE MANUFACTURERS OF
Hall's Patent Dovetail and Tenon and Groove and
Steel Corner Burglar - Proof
Solid
+
SAFES ,
Totally Preventing the Introduction of any Explosive Compounds.
Hall's Patent Victor, Premier and Chronometer Combination Bank Locks.
HALLS SAFE & LOCK CO
①①
①
ED
PATENT
JULY23.&OCT.
29.1867 AND
FEB.25.1873 ..
DO
OP
OL
O
101
BOGART CIN
OUR IMPROVED BURGLAR - PROOF SAFES
Are made upon Hall's Latest Improved Patents, and are constructed of Welded Iron and Steel, Chrome and
Crystal Steel, Solid Steel Corners. Plates secured by Hall's Patent Steel Conical Arbors, thus preventing
"Wedging,""" Drilling." " Stripping," or any of the appliances known to burglars.
HALL'S PATENT COMBINATION LOCKS are the Best in use, and have defied all attempts to open
them by Experts or Burglars, even by a trial of nine days.
These Safes and Locks have ALWAYS taken the First Premiums or Gold Medals, against all competitors, at
all Fairs or Exhibitions.
These are the BEST SAFES AND LOCKS MANUFACTURED, as can be satisfactorily proven.
Prices as LOW as any manufactured. Send for Circulars and Descriptions. Address,
HALL'S SAFE
AND LOCK
CO .,
Cincinnati, New York, Chicago, San Francisco, Louisville, or St. Louis.
Agencies in all Principal Cities.
CONSOLIDATE
,
COMPANY
LOCK
TIME
. 00,000
3
P
up
aid
Capital
,$
,OHIO
.CINCINNATI
modern
All
improvec,of
onsisting
ments
of
styles
different
ten
or
Attachments
Time
cLocks
, ontainTime
conknown
every
ing
venience
and
security
without
danger
or
posby
Out
Lock
of
sibility
movement
Time
the
accident
or
from
any
want
from
error
care
of
.
experience
of
want
or
the
under
Organized
.of
Ohio
State
Laws
ADVERTISING DEPARTMENT.
9BAM
.
Directed
by
most
the
practical
experiand
enced
men
Time
in
.Lock
Business
is
that
all
Control
desirable
or
valuable
way
the
in
patents
of
States
United
the
in
countries
.foreign
and
OUT
LOCKED
PAYER
No
af
can
Banker
without
be
to
ford
one
Time
these
Locks
,of
cost
would
not
as
they
cents
fifty
more
than
of
t
erm
a
for
day
per
the
representing
years
time
life
one
of
and
Locks
Time
our
producing
absolute
than
More
one
thoudevices
sand
of
our
the
in
use
now
United
States
alone
,
the
references
of
best
given
applicaupon
on
tion
points
.all
.
security
Banker
OUT
the
LOCK
NOT
Lock
WILL
that
furnish
T
a
ime
parties
can
who
The
only
rite
.W
particulars
for
circumstances
any
under
17
ADVERTISING DEPARTMENT.
18
ESTABLISHED 1850.
PROSPECTUS 1881.
DYE'S
Government
Counterfeit
Detector :
OFFICIAL ORGAN , ISSUED MONTHLY AT $3.00 A YEAR, IN ADVANCE ,
With Extras to Subscribers on the appearance of new Counterfeits ;
No Subscription taken for a less term than one year.
THIS WORK CONTAINS AN ORIGINAL METHOD AND NEW ARRANGEMENT FOR DETECTING COUNTERFEIT MONEY .
of
To which has been added, as a particular and comprehensive feature in the present volume, a full description
all American or Canadian Paper Moneys ; a full statement of the General and Special points of detection;
the Defects and Differences from genuine of all Counterfeits upon United States Treasury Notes,
National Bank Bills of the United States, and the Government Notes of the Dominion of
Canada, the Bills ofCanadian Banks, or the paper money circulated inthe British or
other Provinces in America. The principal Defective Points of dangerous
Counterfeit Bills are illustrated in this work by precise
drawings, made exclusively
engravings from accurate
for this reliable authority.
In addition to the exceedingly important information already mentioned, Dye's Government
Counterfeit Detector also presents each month, an official list of United States and Canadian Coins and their
counterfeits, with means of detection ; list of Rare and Premium Coins ; counterfeit and stolen United States
and other Bonds; statement of United States Debt and Securities ; report of Coinage of United States Mints;
record of Secret Service; and sixteen pages, or more (16 mo), replete with graphic and instructive articles related
to the foregoing subjects, or giving current financial information from various countries, and all the great centres
of manufacture, trade and commerce.
THE ONLY STANDARD WORK OF ITS KIND IN AMERICA.
Compiled with great care from official records by special assistance of the Chief of the
Secret
Service
Division ,
U. S. Treas. Dept.
All Subscribers Insured Against Loss by Counterfeit Bills !
The particular attention of all Cashiers and Tellers is respectfully invited to this original and peculiar
feature of our business.
SINGLE
COPIES ,
ONE
DOLLAR.
DYE'S COIN ENCYCLOPÆDIA- $5.00-Containing, The Origin of Money ; Ancient Coinage ; The
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other Currency; Tables of Exchange, etc., etc., etc. The most complete work upon these subjects in
existence.
GOVERNMENT BLUE BOOK-Single Copies, 50 Cents .--Illustrated lives of all the Great
Counterfeiters, Criminal Engravers and Plate-printers, with full details of their operations, compiled
from official and authentic records.
JOHN S. DYE , Editor and Proprietor ,
No. 1338 CHESTNUT ST.. Opp . UNITED STATES MINT,
PHILADELPHIA,
PA.
ADVERTISING DEPARTMENT.
Chicago and
OF
19
Cook County Tax Agency
CARNE
48 & 50 La
&
DRURY,
Salle St. , Chicago, Ill .
{THE ORIGINATORS OF TAX ABSTRACTS IN COOK COUNTY.]
Tax Abstracts from 1868, furnished at $4 each, and upwards.
AT
TAX
SALES ,
Investments are made for Capitalists, and Mortgagee
and other Interests are protected.
Taxes are Paid , Notices of Tax Sales are Served, and
Tax Deeds are Obtained.
The
Heaviest Business of the kind in the City.
Address them as above for Circular, showing References, Form of Tax Abstracts, Manner of
Conducting Business, Fees, etc.
An Immense Non-resident Business is transacted, extend
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20
ADVERTISING DEPARTMENT.
WALTER
W.
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MANUFACTURER OF ALL KINDS OF
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For
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MANUFACTORY,
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NEW YORK.
NEW YORK.
BANK
AND
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BANK COUNTER RAILING-Pattern No. 40.
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21
ADVERTISING DEPARTMENT.
S.
H.
HARRIS ,
VAULT
DOORS ,
SEA
BROSRS
CHI
S.H
HARRIS
aa
O
17 North
Clark
Street,
before
us
purchas
ing
.see
AND
well
to
do
Safes
would
Bank
using
SAFES
all
that
such
are
Work
Burglar
Safe
in
Our
Specialties
MANUFACTURER OF
Chicago.
WORKS, 146 TO 152 NORTH WATER STREET.
22
22
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OF EVERY DESCRIPTION FOR THE USE OF
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LETTER PRESS WORK OR LITHOGRAPHED
Have constantly on hand and for sale at low prices a complete assortment of
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AND FOR
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UM
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WMB BURFORD
BRASUGGESSOR
DEN & B TO
R
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URFO
E
RD
R
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T
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A
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N
A
M
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O
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O
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B
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RAPHER
STEAM POWER
ENGRAVER.
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PRINTER,
West Washington St
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500 Varieties
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OC
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BAN
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Win BarfordLachInks
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& INVOICE FILE
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MANUFACTURERS
1188120 MONROE ST.CHICACO
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PAGE HOYNE &CO
AGO
CHIC
APPLIED FOR.
PATENT
NEOUS XMELETIV
MISCELLA
TOMILOTOLCE
CTOBER'SINHITHMM
AUGUST
A want long felt among Bankers
and Attorneys for a compact and convenient method of keeping Notes and
other papers, so that they could be
readily found, has induced us to produce THE EUREKA NOTE Box. It is
made in a very substantial manner.
entirely covered with strong Russia
leather, and has a substantial lock.
There are twenty-six SLIDING PARTITIONS, labeled with alphabet and
name of month, which can be adjusted
to accommodaje a large or small number of papers, as the case may require.
Size inside, 12 in. long, 94 in. wide,
4½ in. deep.
PRICE, $ 10 EACH.
We also make a smaller size, 6 in.
long, 94 in. wide, 4½ in. deep, with
13 pockets. Price, $8.
STYLES OF BINDING.
SIZES OF PAPER.
NAME OF BOOK.
Cap,
Demy,
Medium,
Double Cap,
Royal,
Super Royal,
Imperial ,
SIZE OF PAGE.
SIZE OF COVER.
81/4 x 132
104 x 152
114 X 172
1334 x 162
1134 x 182
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1434 x 212
ΙΟ x 14
12 x 16
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16 x 17
14 x 19
161/4 x 20
17 X 22
Wekeep all the following Books made up and on hand at all times.
In ordering, state number of quires and style of binding.
Bound
R.
E.
and
or
B.
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tra
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units
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printed heading, units or plain .
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8 and 10 quire
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66
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66
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66
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cloth.
3 and 4 quire
2, 3 and 4 quire 66
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Registers,
printed
heading, ½ cloth.
66
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2 and 3 quire Notary Protest Records for any State, ½ bound.
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300, 500, 700, 900 and 1,000 page 9x11 Copying Books.
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Printed Front
66 or
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20 66
interleaved. Sheep.
Page and
66
66
66
66
66
66
8vo
24
42x64,
Cover.
66
66
66
66
24 66
8vo Crown,434 x634 ,
Daily Journals, 4to, I day to a page.
66
full Cap, 3 days to a page.
Dean's Interest Tables.
66
6.
Julien's
Tin Signs, " Bank Open " and " Bank Shut."
Bankers' Cases, all styles, from $ 1.25 to $ 12.00 each.
66
66
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Debit and Credit Ticket.
Lithographed and Printed Drafts, numbered and stamped.
With or without
66
66
Certificates
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66
66
66
Ledger Stub.
Stock.
}
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Lithographed and Printed Checks, all sizes.
66
66
66
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Lithographed or Printed Letter Heads, Printed Deposit Tickets, Lithographed or Printed Acknowledgments, Remittances and Enclosures, Printed Notes, Note Notices, Printed Envelopes,
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Wax Stamps, Corporate Seals .
CULVER, PAGE, HOYNE & CO .
PAPER .
150 &
152 Clark Street,
CLARKE ,
FRIEND ,
FOX
Chicago.
&
CO . ,
MANUFACTURERS AND DEALERS IN ALL KINDS OF
BOOK ,
ALL QUALITIES
WHITE AND
AND COLORS ; NEWS .
COLORS :
WRITING, FLAT AND FOLDED, PLAIN AND RULED ;
Ledger,
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and
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CARD
BOARD ,
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ETC.
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Agents for Whiting Paper Co.'s superior Writing Papers ; L. L. Brown
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and Bond Papers ; Crane & Co.'s Standard Bond and Parchments.
The largest Stock and most extensive Manufacturing facilities in the West.
150 and 152 Clark Street , Chicago.
(SEE NEXT PAGE.)
PAPER.
Clarke ,
150
For
&
Friend ,
152
Bank and
Papers
are
CLARK
Counting
Cheapest .
Fox &
ST. ,
CHICAGO.
House
Send
Co. ,
use ,
for
the
Best
Samples .
For Blank Books,
L. L. Brown's Ledger Papers
Are the best.
Warranted for strength, color, appearance, writing and erasive
qualities, superior to any other.
For General Office Use, we commend
OLD
BERKSHIRE
MILLS .
A perfect Paper, CLEAN, WHITE and STRONG.
For Checks, Notes, Drafts, use the
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Send for samples and
Warranted a protection against alteration or erasure.
particulars. In use by the leading Bankers and Business Houses.
Crane's
OWEN'S
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BONDS
and Parchment.
AND
LINEN PAPERS.
CLARKE, FRIEND, FOX & CO.,
SEE PRECEDING PAGE.)
150 and 152 CLARK STREET, CHICAGO.
THE
1881
Rand -Me Nally
BANKERS'
DIRECTORY
OF THE
UNITED STATES
AND
CANADA :
CONTAINING A
LIST OF BANKS AND BANKERS ;
ALSO THE
NAMES OF RELIABLE COMMERCIAL LAWYERS
RECOMMENDED BY THE BANKS.
JANUARY, 1881.
CHICAGO :
RAND, MCNALLY & CO .,
148, 150, 152 & 154 MONROE ST.
HG1536
R2
ADVERTISING DEPARTMENT.
24
ANTHONY,
Bankers
No.
19
&
POOR
and
OLIPHANT
J
Brokers,
NEW
BROAD STREET ,
YORK .
Buy and Sell on Commission, for Cash, or upon Margin, all Securities
dealt in at the New York Stock Exchange and in all other
markets.
Special attention given to
INVESTMENT
SECURITIES
And to answering all Inquiries concerning them.
LOANS OF RAILWAY , MUNICIPAL AND OTHER CORPORATIONS NEGOTIATED
J.
&
W.
SELIGMAN
&
CO. ,
Y
SIT
BANKER
C
S,
VER
I
E
N
OF HIC
U
H
A
NEW
Corner Broad Street and Exchange Place, ——
LIBRARIES
YORK .
CHICAGO, ILL
Negotiate Railroad and Municipal Loans ;
Issue Letters of
Credit for Foreign and Domestic Travel ;
Draw Bills
of Exchange on Europe, Asia, Africa and Australia ,
on our
American
and
European
Houses.
3 Angel Court, London, E. C.
Boulevard Haussman, 32 bis, Paris.
Frankfurt.
New Orleans.
San Francisco.
Amsterdam.
SELIGMAN BROS.,
SELIGMAN FRERES & CIE,
SELIGMAN & STETTHEIMER,
SELIGMAN, HELLMAN & CO.,
ANGLO-CALIFORNIAN BANK (Limited),
ALSBERG, GOLDBERG & CO., ·
Ern.
1370039
GENERAL INDEX .
PAGE
PAGE
397 Banks and Bankers in Canada, New Brunswick, 290
Advertising Department
66
66
66
291
81
Nova Scotia
Alabama, Banks and Bankers of
66
66
66
66
280
349
Ontario
Lawyers of
66
66
66
Pr. Edward Isl'd 292
82
Arizona, Banks and Bankers of
66
66
66
66 Lawyers of
349
288
Quebec
66
66
82
292
in Newfoundland
Arkansas, Banks and Bankers of
66
66
66
349
293
in Europe
Lawyers of ·
338
300
Bankers and Brokers of New York City
Assistant Cashiers , List of
349
290
British Columbia, Banks and Bankers of
Attorneys in the United States, List of
66
66
66 in Canada, List of
394
396
Lawyers of
300
81
Brokers of New York City
Banks and Bankers in the U.S. , Alabama
66
66
66
82 California, Banks and Bankers of
83
Arizona
66
66
66
82
350
Arkansas
66
Lawyers of ·
66
46
66
280
83
Canada, Banks and Bankers of
California
66
66
66
66
87
394
Colorado ·
Lawyers of
66
66
66
66
77
89
Commercial Laws of
Connecticut
66
66
66
95
307
Dakota
Cashiers, List of ·
66
66
66
66
96
338
Delaware
Assistant, List of
66
66
66
Dist.ofColumbia 97
87
Colorado, Banks and Bankers of
66
66
66
97
351
Florida
Lawyers of
66
66
98
349
Commercial Lawyers in the United States
Georgia
66
66
66
66
100
394
66 in Canada
Idaho
66
66
66
Illinois
101
35
Commercial Laws of the U. S. and Territories
66
66
66
116
77
Indiana
60 of Canada
66
66
66
Iowa
124
89
Connecticut, Banks and Bankers of
66
66
66
66
136
Kansas
351
Lawyers of
66
66
66
141
95
Dakota, Banks and Bankers of
Kentucky
66
66
66
66 Lawyers of 146
352
Louisiana
66
66
66
Maine
147
96
Delaware, Banks and Bankers of
66
66
66
66
151
352
Lawyers of
Maryland
66
66
66
Massachusetts
154 District of Columbia, Banks and Bankers of
97
66
66
66
66
66
352
169
Lawyers of
Michigan
66
66.
66
293
177 European Banks and Bankers , List of
Minnesota
66
66
181
97
Florida, Banks and Bankers of
Mississippi 66
66 Missouri
182
352
66 Lawyers of
66
66 Montana
188
293
Foreign Banks and Bankers, List of
66
66
66
98
Nebraska · - 189
Georgia, Banks and Bankers of
66
66
66
353
Nevada
192
66
Lawyers of
66
66
66
New Hampshire 193
Great Britain and Ireland , Banks and Bankers of 293
66
66
66
New Jersey
197
100
Idaho, Banks and Bankers of
66
66
200
New Mexico
353
66 Lawyers of
แ
66
66
101
New York
201
Illinois, Banks and Bankers of
66
66
66
66 Lawyers of
353
New York City 211 , 300
66
66
66
116
North Carolina 223
Indiana, Banks and Bankers of
66
66
66
66
Ohio ·
224
357
Lawyers of
66
66
66
124
237
Iowa, Banks and Bankers of
Oregon ·
66
66
66 Pennsylvania
359
238
"6 Lawyers of
66
66
66
136
258
Rhode Island
Kansas, Banks and Bankers of
66
66
66
64
363
South Carolina
262
Lawyers of
66
66
6: Tennessee
263
141
Kentucky, Banks and Bankers of
66
66
66
66
364
Texas
265
Lawyers of ·
66
66
66
35
Utah
268 Laws, Commercial, of the U. S. and Territories
66
66
66
66
66
77
Vermont
269
of Canada ·
66
66
66
·
349
271
Lawyers, Commercial, in the U. S. , Alabama
Virginia
66
66
66
66
66 Arizona ·
349
273
Washington
66
66
66
66
66
66
Arkansas
349
274
West Virginia
66
6:
66
66
་་ California
66
· 275
Wisconsin
350
66
66
66 Colorado • 351
66
66
66
279
Wyoming ·
66
66
66 Connecticut 351
66
"6
in Canada, British Columbia 299
66
46
66 Dakota
66
66 Manitoba ·
66
· 292
352
26
GENERAL INDEX.
PAGE
352
Lawyers, Commercial, in the U. S. , Delaware
66
66 Dist. Columbia 352
"6
66
66
66 Florida
352
66
66 Georgia
66
353
46
66
66 Idaho
353
66
66 Illinois
66
853
66
66 Indiana
357
64 Iowa 359
66 Kansas
363
46 Kentucky
364
66
66 Louisiana
365
66
66 Maine
365
66
66
46 Maryland
366
66
66
66 Massachusetts 366
66
66 Michigan
368
64
64 Minnesota
370
46
46
66 Mississippi 371
66
66
66 Missouri
371
•
66 Montana ·
373
66 Nebraska
874
66
66 Nevada
374
66
66 N. Hampshire 375
..
66 New Jersey 375
66
66
66
66
New Mexico 376
66
66 New York · 376
"
66
66
66 North Carolina 380
66
64 Ohio
66
380
66 Oregon
66
66
384
66
66
64 Pennsylvania 384
66
66
66 Rhode Island 388
66
66 South Carolina 388
66
66
"
66 Tennessee · 388
66 Texas
46
66
389
66 Utah ·
46
66
389
66
66
60 Vermont
390
66
66 Virginia
390
"6
66
66 Washington 391
66
66 West Virginia 391
66
66 Wisconsin
392
66
66 Wyoming • 893
แ
66
in Canada, British Col'bia 396
66
66
66
396
Manitoba
46
66
66
New Brunswick 396
66
66
396
Nova Scotia
66
66
Ontario - · 394
66
46
66
Pr. Edward Isl'd 396
66
66
66
Quebec · · 395
66
in Newfoundland
396
146
Louisiana, Banks and Bankers of
66
865
Lawyers of
147
Maine, Banks and Bankers of
66 Lawyers of
·
365
292
Manitoba, Banks and Bankers of
396
66
Lawyers of ·
151
Maryland, Banks and Bankers of
366
66
Lawyers of ·
154
Massachusetts, Banks and Bankers of
66
366
Lawyers of
169
Michigan, Banks and Bankers of
366
Lawyers of ·
66
177
Minnesota, Banks and Bankers of
370
66
Lawyers of
PAGE
181
Mississippi, Banks and Bankers of
66
371
Lawyers of 182
Missouri, Banks and Bankers of
66
371
Lawyers of 188
Montana, Banks and Bankers of
66
373
Lawyers of
189
Nebraska, Banks and Bankers of
66
374
Lawyers of
192
Nevada, Banks and Bankers of
66
374
Lawyers of
290
New Brunswick, Banks and Bankers of
66
396
Lawyers of
292
Newfoundland, Banks and Bankers of
66
396
Lawyers of
193
New Hampshire, Banks and Bankers of
66
375
Lawyers of 197
New Jersey, Banks and Bankers of
66
· 375
Lawyers of · ·
200
New Mexico, Banks and Bankers of
66
376
Lawyers of
201
New York, Banks and Bankers of
66
376
Lawyers of
300
New York City, Bankers and Brokers of
66
Banks and Trust Companies of · 211
223
North Carolina, Banks and Bankers of
66
380
Lawyers of
291
Nova Scotia, Banks and Bankers of
66
396
Lawyers of
224
Ohio, Banks and Bankers of
66 Brokers of
422
66 Lawyers of
380
280
Ontario, Banks and Bankers of
66 Lawyers of
394
237
Oregon, Banks and Bankers of
་ Lawyers of
384
238
Pennsylvania, Banks and Bankers of
66
384
Lawyers of
292
Prince Edward Island, Banks and Bankers of
66
66
396
Lawyers of
288
Quebec, Banks and Bankers of
66 Lawyers of
395
258
Rhode Island, Banks and Bankers of
66
388
Lawyers of
262
South Carolina, Banks and Bankers of
66
388
Lawyers of
263
Tennessee, Banks and Bankers of
66
388
Lawyers of
265
Texas, Banks and Bankers of
66 Lawyers of
389
268
Utah, Banks and Bankers of
66 Lawyers of ·
889
269
Vermont, Banks and Bankers of
66
390
Lawyers of
271
Virginia, Banks and Bankers of
66
390
Lawyers of ·
273
Washington, Banks and Bankers of
66
391
Lawyers of
274
West Virginia, Banks and Bankers of
66
·
391
Lawyers of
275
Wisconsin, Banks and Bankers of
66
892
Lawyers of
279
Wyoming, Banks and Bankers of
66
393
Lawyers of
1
[INDEX
Alabama
TO
.Mobile.
Opelika.
Hartford
Connecticut .
District of66Columbia. .... Washington..
Atlanta .
Georgia.
66
Augusta
.. .
66
66
.Columbus .
66
Macon...
Rome
Savannah
Alton
Illinois.
"
66
.Belleville
.Bloomington..
66
Chicago..
66
66
66
66
66
66
66
6.
66
66
66
66
66
"6
66
་་
66
66
66
66
66
66
..
66
66
66
66
66
56
46
66
Danville
66
.Dwight...
66
.Jacksonville
66
Rock Island..
Indiana.
..Indianapolis
.
66
66
.Council66 Bluffs.
Iowa.
66
66
.Davenport..
66
.Des Moines
66
66
66
..Dubuque
.
66
Muscatine.
Atchison .
Kansas.
66
Junction City
66
Leavenworth
66
..
Salina
66
.Topeka..
66
66
66
66
66
66
66
66
66
Louisville
Kentuck
66
66 y
66
"6
Louisiana
New Orleans.
.Baltimore
.
Maryland
66
"6
66
66
66
66
66
66
.Lawrence
Massachusetts ..
64
.South Adams
.Detroit
Michigan..
66
" .
66
66
66
".
64
East Saginaw.
Minnesota.
Minneapolis .
66
.St. Paul
..
66
.
ADVERTISEMENTS .
PAGE
398
.Thos . P. Miller & Co., Bankers ...
.Bank of Opelika....
398
398
.S. Arthur Marsden, Attorney at Law.
398
Henry Wise Garnett, Attorney at Law.
Second National Bank..
.399
.399
H. Castleman, Broker..
.Bank of Augusta..
399
.399
Harris & Rhind, Brokers
.National Bank of Columbus .
399
.First National Bank..
400
Bank of Rome..
400
Southern Bank of the State of Georgia.
400
Alton National Bank..
..400
First National Bank.
.401
St. Clair Title Office
401
.401
National State Bank
A. H. Andrews & Co., Manufacturers of Bank Furniture.. 14
.402 & 419
Boody, Saltonstall & Co., Brokers
12
.L. B. Boomer & Co., Bridge Builders .
19
Carne & Drury, Tax Agency ..
79
.S. D. Childs & Co. , Engravers
Clarke, Friend, Fox & Co., Paper Manufacturers....opp . Title
Culver, Page, Hoyne & Co , Printers and Stationers.opp. Title
4
C. W. Durham, Mnfr. Durham Warm Air Furnace ..
78
Fairchild & Blackman, Attorneys at Law………….
First National Bank....
403
402
N. H. Hanchette, Attorney and Counselor
21
.S. H. Harris, Safe Manufacturer.
11
H. H. Hoffmann, Mnfr . Blank Books..
13
E. Holenshade, Chicago National Wire Cloth Mill.
National Bank of Illinois .
402
6
S. I. Pope & Co., Steam Heating Apparatus ..
Ruttan Manufact'ng Co., Heating & Ventilating Apparatus 7
434
Sargent, Greenleaf & Brooks, Mnfrs. of Time Locks..
15
Tappan, McKillop & Co., Commercial Agency...
15
Tenney & Reese, Manufacturers of Rubber Stamps..
77
L. H. Thomas, Ink Manufacturer
.429
John H. Volk, Manufacturer of Monuments .
Western Bank Note & Engraving Co..
........... opp. 400
.401
.Frank W. Penwell, Attorney at Law.
.401
Bank of Dwight
..401
Central Illinois Banking and Savings Association ..
...401
Sturgeon & Olsen, Attorneys and Counselors at Law..
opp. 22
Wm. B. Burford, Lithographer..
Moore Combination Desk Co ...
.9 & 10
404
Officer & Pusey, Bankers
404
.Mayne & Key, Attorneys at Law.
.404
Putnam & Rogers, Attorneys and Counselors ..
405
A. B. & J. C. Cummins, Attorneys at Law
404
Chas. A. Finkbine, Attorney and Counselor .
.405
Shiras, Van Duzee & Henderson, Attorneys at Law
..405
Allen Broomhall, Attorney and Counselor
405
.. Manley & Coates, Abstracts of Title....
407
W. B. Clarke, Banker...
407
.Commercial Intelligence Office and Kan. Merc. Agency .
.405
John W. Berks , Banker and Broker……..
406
Citizens' Bank....
406
.Jones & Chandler, Attorneys at Law.
406
John D. Knox & Co. , Bankers ..
406
H. R. Prather & Co. , Brokers .......
..406
A. Prescott & Co. , Bankers..
406
.D. P. Safford & Co. , Abstracts of Title .
408
Garvin Bell, Attorney and Counselor at Law.
5
A. G. Dow, Jr., Bank Railings, etc...
408
.First National Bank..
.407
Gideon Townsend, Banker.
407
German American Bank
.409
Snowden & Busey, Attorneys at Law
409
Henry C. Turnbull, Jr., Broker..
6
Wm. Baumgarten. Mnfr. Rubber Stamps..
6
Guggenheimer & Weil. Stationers and Printers ...
.409
Bay State National Bank.
opp. 432
.L. L. Brown Paper Co....
3
.E. T. Barnum, Manufacturer of Bank Railing
Inside front cover.
.Detroit Safe Co...
409
Mechanics' Bank
11
.F. Zabriskie, Rubber and Ribbon Stamps
409
.Harlan P. Smith, Attorney at Law..
.410
Security Bank of Minnesota..
410
German-American Bank
.411
Merchants' National Bank.
28
Mississippi
.
66
i.
Missouri
66 .
66
.66
66
66
66
66
66
66
66
66
66
66
66
66
Nebraska
66
66
New Hampshire..
New 66York.
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
North Carolina.
Ohio..
66
66
66
66
66
66
66
66
66
Pennsylvania .
66
66
66
66
66
66
66
South Carolina.
Tennessee ..
66
Texas
66
66
66
66
66
66
Virginia .
66
Wisconsin
66
86
66
66
66
66
66
66
66
66
66
Canada
66
INDEX TO ADVERTISEMENTS.
Grenada
.Meridian
Vicksburg..
Kansas City.
66
66
66
.St. Joseph..
66
.St. Louis
66
66
66
Lincoln
Nebraska City.
.Omaha
Concord..
New York
66 City
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
.Raleigh
.Cincinnati
66
66
66
66
66
66
66
..Springfield ..
.Toledo ..
. Philadelphia.
66
"6
66
.Pittsburgh
66
66
66
66
Charleston
Nashville
66
Austin
Brenham
Clarksville
Dallas ..
.Fort 86Worth.
Galveston.
.Marshall
.Norfolk.
66
Richmond
Boscobel.
.La Crosse
66
.Milwaukee
66
66
66
66
66
Oshkosh
Platteville .
Racine
Montreal
Toronto
PAGE
.412
N. C. Snider, Banker and Attorney
.412
Merchants' Bank
.412
Vicksburg Bank.
.414
Armour Bros. Banking Co.
..413
Merchants' National Bank
.433
.Scotford, Moore & Co. , Mnfrs. Rubber Stamps .
.413
..Whipple, Cowherd & Co., Bankers and Brokers
79
.T. J. Chew, Jr. , Broker..
.414
State Savings Institution .
Bank of Commerce ..
.415
..418
.James Edwards & Co. , Brokers .
415
Franklin Bank...
..418
Samuel A. Gaylord, Broker.
.415
..German Savings Institution
.416
.Chas. D. Greene, Jr., Commissioner of Deeds .
.415
P. F. Keleher & Co., Bankers and Brokers ..
.417
Joseph Lathrop & Co. , Law and Collection Office ..
8
Ludlow-Saylor Wire Co. , Counter and Office Railings .
.416
Sterling & Webster Abstract Co ..
.418
Hunter & Sawyer, Attorneys at Law.
.418
.S. H. Calhoun, Attorney at Law.
.418
.State Bank of Nebraska .
..418
.First National Bank .
Anthony, Poor & Oliphant, Bank's & Brok's . opp. Gen'l Index.
.419
Geo. Wm. Ballou & Co., Bankers
402 & 419
Boody, McLellan & Co. , Bankers ..
..420
.A. H. Brown & Co. , Bankers .
80
Brown Brothers & Co., Bankers
34
..Drexel, Morgan & Co., Bankers .
.397
Esterbrook's Steel Pens
79
Fidelity & Casualty Co...
.435
Herring & Co., Safe and Lock Mnfrs .
.433
.Holmes' Improved Chronometer Lock....
.432
Hopkins' N. Y. Steam Wire Works ..
.430
E. Ímhauser, Watchman's Time Detector..
Inside front cover.
Kountze Brothers, Bankers
421
Knauth, Nachod & Kuhne, Bankers .
Cover.
.Mabie, Todd & Bard, Mfrs. Gold Pens
..420
Merchants ' Exchange National Bank.
80
.Phelps . Stokes & Co.. Bankers
.419
C. B. Richard & Co., Bankers ..
Index.
Gen'l
opp.
J. & W. Seligman & Co., Bankers ..
.420
.J. & J. Stuart & Co., Bankers
33
Winslow. Lanier & Co. , Bankers
20
Walter W. Wooley, Mfr. Wire Work .
.421
Hinsdale & Devereaux, Attorneys at Law.
422
Victor Abraham, Attorney at Law.
Consolidated Lock Co...
17
.422
Wm. J. Dunlap & Co. , Brokers .
.422
.George Eustis & Co. , Brokers
Hall's Safe and Lock Co ...
16 & 17
.422
Thos . T. Heath, Attorney at Law
.422
.Joseph F. Larkin & Co. , Bankers .
22
Wilstach & Baldwin, Stationers and Printers .
421
Cochran & Rodgers, Attorneys at Law..
.421
Raymer, Seagrave & Co. , Bankers
18
Dye's Government Counterfeit Detector..
121
Merchants' National Bank...
.397
Wm . F. Murphy's Sons, Stationers
.433
Jas. P. Wood & Co., Mfrs. Steam Heating Apparatus .
423
.Allegheny National Bank
.423
Wm. P. Bennett, Blank Book Mfr..
.424
Iron City National Bank ..
.424
..People's National Bank.
..423
Second National Bank.
..425
.Bank of Charleston National Banking Association.
425
First National Bank..
.425
B. F. Wilson , Dealer in Securities
.425
Bremond & Co. , Bankers .
..426
.Giddings & Giddings, Bankers
.425
Red River County Bank.
.427
Philip Lindsley, Attorney at Law.
..426
City National Bank..
..426
Tidball, Van Zandt & Co. , Bankers .
.427
First National Bank
.427
.E. J. Fry, Banker...
..Bank of Commerce.
..428
.428
..Exchange National Bank.
.427
Campbell & Schoolcraft, Brokers .
.429
.Bank of A. J. Pipkin
.427
Cameron, Losey & Bunn, Attorneys at Law.
.428
.La Crosse National Bauk...
402 & 419
Boody, McClellan & Co. , Brokers
.431
First National Bank..
opp. 428
H. Gugler & Son, Lithographers
.430
Manufacturers ' Bank
.430
Milwaukee National Bank .
.428
Thomas L. Ogden, Attorney at Law
.428
Weisbrod & Harshaw, Attorneys at Law
.429
..Northrop & Co., Bankers .
.429
Manufacturers' National Bank.
77
Canada Guarantee Co...
431
..Imperial Bank of Canada
38
WINSLOW,
LANIER
&
CO . ,
BANKERS
Corner
Nassau
NEW
and
YORK
Cedar
Sts .,
CITY .
Receive the accounts of Domestic and Foreign Bankers, Corporations
and Merchants.
Negotiate Railroad and Municipal Loans.
Issue Letters of Credit for Foreign and Domestic Travel.
LONDON CORRESPONDENTS :
Union Bank of London .
Messrs. Glyn, Mills, Currie & Co.
PARIS CORRESPONDENTS :
Messrs. Hottinguer & Cie.
Societe de Depots et de Comptes Courants.
3
34
BANKING HOUSE
DREXEL ,
OF
MORGAN
&
CO .,
Corner of Wall and Broad Streets,
NEW
YORK .
Erected 1872-3.
XEL MORGAN
DREXEL & CO . ,
DREXEL, HARJES & CO. ,
PHILADELPHIA.
PARIS.
AGENTS AND ATTORNEYS OF
MESSRS. J. S. MORGAN & CO. , LONDON.
DRAW EXCHANGE AT CUSTOMARY USANCES.
Issue Commercial and Travelers' Credits.
COMMERCIAL
LAWS .
COMPILED EXPRESSLY FOR THE BANKERS ' DIRECTORY.
Carefully Revised up to January 1st , 1881 .
ALABAMA.
ACKNOWLEDGMENTS and proofs of conveyances may
be taken by Judges of the Supreme and Circuit Courts
and their Clerks,Chancellors,and Registers in Chancery,
Judges of Probate Courts, Justices of the Peace, and
Notaries . In other States they may be taken by Judges
and Clerks of any Federal Court or court of record,
Notaries Public and Commissioners appointed bythe
Governor of this State. If out of the United States,
by the Judge of any court of record, Mayor, or Chief
Magistrate, or any Diplomatic or Consular Agent.
ASSIGNMENTS AND INSOLVENCY. Assignments are
governed by the common law, except that a general
assignment by a debtor giving preference to one or
more creditors over the remainder shall be and inure
for the benefit of all creditors equally. There is
no general insolvent law, and no imprisonment for
debt.
ATTACHMENT process will issue for the collection
of a debt, whether due or not, to recover damages for
breach of contract, or where the action is for damages
alone, upon affidavit by the creditor or his agent that the
debtor absconds, secretes himself, or resides out of the
State so that process can not be served, or is about to
remove or fraudulently dispose of his property, or fraudulently withholds money, chattels, or effects. Plaintiff
must give bond in double the amount claimed. Garnishment process will issue in aid of attachment in all
such cases.
COURTS. Terms and Jurisdiction. Circuit Courts
have jurisdiction in all law cases involving over $50.
The Courts of Chancery have exclusive equity jurisdiction. Regular terms of both twice a year in nearly
every county. Chancery Courts have full equity powers and the city courts of Montgomery, Eufaula and
Mobile have concurrent jurisdiction with the Circuit
Courts except as to land titles. Probate Courts hold
term on second Monday of each month. Justices of the
Peace have exclusive civil jurisdiction up to $50, concurrent up to $100, and must hold court monthly.
Names of all parties plaintiff and individual names of
copartners must be given in writs. Non-residents must
give bond for costs.
EXEMPTIONS . The homestead of 160 acres, or in a
city, town or village, the lot with dwelling, etc., not
exceeding $2,000 in value, and owned or occupied by any
resident. Exemption may be waived, but wife must
join inthe deed and it must be acknowledged. Personal
property to value of $1,000 selected by debtor,and wages
to $25 permonth, are also exempt. Widow's exemption
includes also wearing apparel, family books and
pictures, and provisions for twelve months.
EXECUTIONS. Writ offl. fa. is a lien only within the
county in which it is received by the officer, on lands
and personalty of defendant subject to levy and sale,
and continues so long as writ is regularly delivered to
Sheriff without the lapse of an entire term. Executions issue from Circuit Courts and City Courts, when
the court continues in session but one week, within ten
days ; when it continues two weeks, within fifteen days ;
and when it continues three or more weeks, within
twenty days ; Justice's after five days, returnable in not
less than thirty nor more than sixty days. May be issued
instanter on affidavit of plaintiff or his agent that he
is in danger of losing the fruits of his judgment. No
stay of execution in Circuit Court except by appeal,
which delays collection until affirmance by Supreme
Court, and entails five per cent. damages, with legal
interest and costs. In Justice's Courts stay is granted
on good security ; below $20, thirty days ; over $20,
sixty days.
INTEREST. Legal rate is eight per cent., and same is
allowed on all open accounts, judgments and decrees.
Usury forfeits all interest.
JUDGMENTS, in courts of record are proved by a certified transcript. May be rendered at first term if action
is not defended, and create a lien from date of issuance.
In Justice's Courts judgment may be had after three
days' notice.
LIMITATIONS. Notes, six years ; open accounts , three
years ; sealed instruments, ten years ; judgments ,
twenty years. Bar created by statute can only be removed by a partial payment, made on the contract
before the bar is complete, or by an unconditional
promise in writing. Those under legal disability have
three years after its removal in which to begin suit, but
no action can be commenced
after twenty years.
Actions on contracts or writings not under seal, or for
trespass to real and personal property, or on stated or
liquidated account, must be brought within six years .
MARRIED WOMEN. Wife retains her separate estate
and may devise or bequeath it as if sole. She can not
mortgage her statutory separate estate, nor act as a
dealer in the purchase and sale of goods, and the
husband is made trustee of his wife's estate, although
it is not subject for payment of his debts. Conveyance
of the wife's estate may be made by husband and wife
must be
jointly in presence of two witnesses, and
acknowledged and recorded. Married women may
become free dealers by application to the Court of
Chancery, and in such cases they manage their property
as if they were single.
MORTGAGES are executed and acknowledged in the
same manner as deeds. May be foreclosed by bill in
equity, or, if there be a provision to that effect, upon
failure to pay any portion of principal or interest.
Two years are allowed for redemption in each case.
Conveyances of personal property to secure debts, or
provide indemnity, are void against creditors or purchasers without notice, unless recorded.
NOTES AND BILLS OF EXCHANGE. Bills of exchange
and promissory notes payable at a bank or designated
place are governed by commercial law and are negotiable instruments. Paper payable in this State entitled
to grace, and falling due on January 1, July 4, or
Christmas, is due on the day previous, or if that be
Sunday, then on Saturday previous. All bonds, contracts, and writings for payment of money or any other
thing, orthe performance of any act or duty, are assignable by indorsement so as to authorize an action thereon by each successive indorsee. Acceptances of bills
of exchange must be in writing, but an unconditional
written promise to accept a bill before it is drawn is
an actual acceptance, and any person upon whom a bill
is drawn and who fails to return it within twenty-four
hours is deemed to have accepted it. Notes not payable
at any specified place are not entitled to grace.
PROTEST. Indorsers of bills of exchange or notes
payable at a bank or private banking house are charged
by a notice of protest duly served, without bringing
suit against the maker. Damages on bills of exchange,
whether foreign or inland, for non-acceptance or nonpayment, are five per cent. on the sum drawn for.
ŠUITS. Every action, except upon bills of exchange,
etc., as above, founded on express or implied contract,
must be brought in the name of the person really interested, whether he have the legal title or not.
TAXES become delinquent on the 1st of January of
the year succeeding the one for which they were levied,
and the lands may be sold by certain proceedings in the
Probate Court commenced in the month of March fol35
36
COMMERCIAL LAWS.
lowing. The purchaser of lands sold for delinquent
taxes receives from the collector a certificate of purchase containing a description of the property, the
date and amount of assessment, taxes , costs , fees, etc.,
which after the expiration of two years is exchangeable
for a deed from the Probate Court which is prima facie
evidence of title. Lands sold for taxes may be redeemed within two years by the owner, mortgagee, or
any person having a beneficial interest therein, by decounty in which
positing with the Probate Judge of the purchase
money
the lands were sold, the amount of
and a penalty of ten per cent. thereon damages on the
at
costs
and
taxes
on
the
interest
and
taxes and costs,
the rate of eight per cent. per annum from the date of
purchase,
certificate
of
the sale, and the cost of the
and all taxes which have accrued subsequent to the sale .
ARIZONA.
The laws of Arizona in relation to arrest on civil
process, attachment, executions, exemption of real and
personal property, homesteads, garnishment, interest,
judgments, and limitations of actions, are similar to
fhose of California [which see] , except that the law
does not provide for any declaration of homestead.
The character of homestead is acquired by actual residence. There are no insolvent laws in Arizona.
Mortgages on real estate must be recorded, and chattel
mortgages may be given on all property and furniture
in hotels and public boarding houses, when given to
secure purchase price ; on saw mill, grist mill and
steamboat machinery, tools and machinery used by
machinists, foundrymen and other mechanics ; steam
boilers, steam engines, locomotives, engines and roll-
ing stock of railroads, printing presses, instruments and
chests of surgeons, physicians and dentists , libraries of
all persons, machinery and apparatus for mining purposes, growing crops, grain in store and field, teams,
implements and stock on farm . Mines are not taxed,
but the net proceeds of the same are taxed $2 on the $100.
The proof or acknowledgment of every conveyance
affecting any real estate shall be taken by some one of
the following officers. If acknowledged or proved
without this Territory and within the United States, by
some judge or clerk of any court of the United States,
or of any State or Territory having a seal, or by any
Commissioner appointed by the Governor for that
purpose.
ARKANSAS .
ACKNOWLEDGMENTS of deeds within the State may
be taken before a Judge or Clerk of the Supreme or
Circuit Court, Judge of County Court, Justice of the
Peace, or Notary Public. Anywhere else in the United
States, before any Federal, State or Territorial Court
having a seal, or before the Clerk of any such Court ,
Mayor or chief officer of any town or city having a
seal of office, or any Notary Public. Out of the
United States, before any authorized Court or officer.
ATTACHMENT. Plaintiff in civil action may at or
after commencement thereof have attachment against
property of defendant where said defendant is nonresident of the State or a foreign corporation, or has
been absent four months from the State, or has departed from it with intent to defraud his creditors, or has
left the county of his residence to avoid service of a
summons, or conceals himself so that a summons can
not be served upon him, or has transferred, sold, conveyed or removed his property out of the State, or is
about to sell, remove or dispose of the same with such
fraudulent intent. Under a writ of attachment debts
due the defendant may be garnisheed . Plaintiff must
give bond with sureties, conditioned to pay all damages defendant may sustain if the action is wrongfully maintained.
ASSIGNMENTS AND INSOLVENCY. Assignments for
the benefit of creditors may be made with or without
preference. Assignee must give bond in double the
amount of property assigned, and must sell within 120
days at auction all the property received by him under
the assignment.
COURTS. Terms and Jurisdiction. Circuit Courts
with original jurisdiction over all civil cases not less
than $100 including interest, are held twice a year in
each county. Justices have original jurisdiction up to
$100, and concurrent up to $300.
EXEMPTIONS. Homestead of married person or head
of a family in country not exceeding 160 acres, with
improvements, not to exceed $2,500, but in no case can
the homestead be reduced below 80 acres, without regard to value. In any town , city or village, homestead
of one acre with improvements,of total value of $2,500,
not reducible below one-fourth of an acre without regard to value. Personal property of married person or
head of a family $500 besides wearing apparel, and of
a person unmarried or not head of a family $200 and
wearing apparel.
EXECUTIONS are returnable sixty days from date
from the Circuit Court, and thirty days from Justice's
Court. Where execution has not been stayed, sales
are made on a credit of three months on bond and security, said bond having the force of a judgment if
forfeited. Execution may be stayed for three months
by defendant giving bond with security for judgment,
interest, and costs, which bond has the force and effect
of a judgment.
INTEREST. Legal rate is six per cent., but contracts
may be made for any rate not exceeding ten per cent.
Interest begins to run on an open account from the
time payment is unreasonably withheld. Judgments
bear the same interest as contract sued on, if in such
instrument the words "until paid" are used concerning
the payment of interest. But if the words per annum
alone are used, then , regardless of the rate stipulated,
the judgment would draw six per cent. Usury forfeits
principal and interest.
JUDGMENTS and decrees of Circuit Courts are liens on
real estate of defendant within the county in which
the Court is held and on personal property from the
time execution is received by the Sheriff . Judgments
of Justices of the Peace become a lien on real estate by
filing a transcript with the Clerk of the Court, and are a
lien on personal property from the time execution is
received by the constable. Executions may be issued
on judgment until it is barred by the statute of limitations. Judgments are rendered at first term of a court
of record if no defense is made.
LIMITATIONS. Accounts, three years ; notes, five
years ; sealed instruments and judgments , ten years . A
written acknowledgment of indebtedness and promise
to pay, or a part payment, revives the debt. Limitations of actions for the recovery of real estate, seven
years. Usual saving clause in favor of infants, married
women, and insane persons, but not as to non-residents.
MARRIED WOMEN. Married women have the same
absolute and unqualified right in property of every description, when acquired, as femes sole, and the same
is not liable for debts or contracts of the husband. To
entitle a married woman to her right as to personal
property, she must cause such separate property to be
recorded in her name in the county of her residence.
She may carry on business on her sole and separate account, and she may sue or be sued alone on account of
her separate property, business, or services ; and she
may contract and bind herself in respect to such separate property or business , and no such contract shall be
binding on her husband, or render him or his property
in any way liable therefor. In all actions where a married woman is a party-except as to such separate property or business -her husband must be joined with her
in the suit. Widow takes dower in one-third of all
lands of which the husband was seized of an estate of
inheritance during marriage, unless legally relinquished ; also an absolute one-third of all personalty.
Where there are no children she takes one-half of
realty for life, and absolute one-half of all personalty.
MORTGAGES are acknowledged same as deeds, and are
not liens until filed for record, though good between the
parties. May be foreclosed by complaint in equity.
Chattel_mortgages must be proved as other mortgages. May be filed and not recorded at option of
mortgagee, and are liens from time of filing. Trust
deeds must be acknowledged and filed same as mortgages . Before sale under mortgages, the property must
be appraised, and must bring two-thirds of the appraised value, or it is reserved from sale twelve months
if real estate, and sixty days if personal property. At
second offering it is sold for what it will bring.
COMMERCIAL LAWS.
NOTES AND BILLS OF EXCHANGE . Foreign and inland
bills of exchange are governed by mercantile law as to
days of grace, protest and notice. All indorsers or
assignors of any instrument in writing assignable by
law, which by its terms is payable " without discount
or defalcation, " may be notified of non-payment or protest of such instrument, and are equally liable with the
maker, obligee, or payee, and may be sued for the same
at the same time with the maker, obligee, or payee
thereof, or may be sued separately.
SUIT in the Circuit Court is commenced by filing
written complaint signed by the party or his attorney,
verified by affidavit of the party, but such verification
is not required where the complaint is founded on a
bill, note, or other written obligation. The first term
37
is trial term where the summons has been served
within the county ten days before the beginning of
term-twenty days elsewhere in the State, or sixty days
outside the State.
TAXES must be paid between December 15 and April
20 of each year next succeeding that in which they are
assessed. If not paid within the time required by law
25 per cent. penalty is added, and lands are advertised
for two weeks and sold . Lands may be redeemed
within one year by the owner, or person in whose name
the same may be listed, and within two years by any
person whomsoever, by payment of purchase money,
penalty, and costs, and 10 per cent. interest per annum.
Sale conveys absolute title, subject to such redemption.
CALIFORNIA,
ACKNOWLEDGMENTS OF DEEDS. Real estate is transferred by what is known as a "grant, " which contains a description of the property. Deeds , though not
recorded, are valid between the parties thereto and as
absolutely
to all other persons having actual notice, butProof
or acvoid as to all persons without notice.
knowledgment of an instrument may be made within
record,
of
the State before any Judge or Clerk ofa court
Recorder, Justice of the Peace, or Notary Public .
Without the State, but within the United States, before
any judicial officer, Commissioner, or Notary, and in
foreign countries before any Diplomatic or Consular
Agent or Judge of a court of record, Commissioner, or
Notary Public. A conveyance by a married woman has
no validity until acknowledged.
ASSIGNMENTS AND INSOLVENCY. No assignment of
an insolvent debtor is valid unless in conformity with
the Insolvency Laws of the State.
ATTACHMENT will issue in an action upon a contract,
express or implied, for the direct payment of money,
where the contract is made or is payable in this State,
and is not secured by any mortgage or lien upon real or
personal property, or any pledge of personal property ;
or if originally so secured, such security has, without
any act of the plaintiff, or the person to whom the security was given, become valueless ; also in an action
upon a contract, express or implied, against a defendant not residing in this State. Garnishee process can
be had in all cases where property is liable to attachment. Defendant may be arrested in a civil action
arising upon contract where he is about to remove
from the State, or has removed or disposed of his property with intent to defraud creditors, or was guilty of
fraud in contracting the debt.
COURTS. Terms and Jurisdiction. After Jan. 1.
1880, under the new constitution of the State, the District and County Courts are abolished and merged into
Superior Courts, which are always open for the transaction of business, there being one in each of the organized counties. Such courts have original jurisdiction in all equity cases, all suits involving the title or
possession of real property, or the legality of taxes, and
in all other cases in which the demand amounts to $300,
exclusive of interest. Justices of the Peace have jurisdiction up to $300.
EXECUTIONS from any court may issue immediately
on rendition of judgment, or at any time within five
years, and as often within that period as any part of the
judgment remains unsatisfied. If not collected within
five years, judgment must be renewed by suit. Executions are returnable not less than ten nor more than
sixty days after receipt by the Sheriff. The court
in which an action has been tried has discretionary
power to grant a reasonable stay of execution. Lands
sold under execution are subject to redemption by the
judgment debtor or his successor in interest, or by any
creditor having a lien, on payment within six months
of the purchase money, with interest at two per cent.
per month .
EXEMPTIONS . The homestead, not exceeding $5.000
in value, if declaration of homestead is properly filed
in the Recorder's office of the county where situate, by
a husband or wife , or other head of a family, is exempt
from execution except in the following cases : 1st,
where the judgment was obtained before the declaration of homestead ; 2d, on judgments for liens of mechanics, laborers or vendors of the land ; 3d , on debts
secured by mortgage on the land, executed by the husband and wife, or an unmarried claimant ; 4th, on debts
secured by mortgage on the land before the declaration
of homestead. Homestead of a single person not ex
ceeding $1,000 in value, is exempt. Personal property
exempt includes chairs, tables, desks, and books, $200;
necessary household and kitchen furniture , sewing
machine, stoves, beds, etc., provisions for family for
three months , three cows, four hogs, two horses, oxen,
or mules, and seed grain reserved up to $200 ; tools and
implements of a mechanic or artisan, instruments of a
physician and professional library of attorney, minister,
editor, or school teacher, a miner's cabin, not exceeding $ 500 in value, also sluices, pipes, tools, etc.,
necessary for his business, not exceeding $500, two
horses or mules with harness, and the miner's claim
worked by him and not exceeding $ 1,000 in value, are
also exempt. A drayman may retain two oxen, horses ,
or mules, with harness and wagon or dray. Earnings
within thirty days of levy, if necessary for support
of family; shares in homestead associations up to
$1,000, if debtor has no homestead selected ; and life
insurance policies and all benefits accruing therefrom,
made in any company organized under the laws of this
State, provided the annual premium does not exceed
$500, are all exempt . But all things above mentioned
are liable for debts incurred for their purchase.
INTEREST. The legal rate is seven per cent. , but
parties may agree on any rate, and there is no penalty
for usury. Judgments bear seven per cent. per annum
from date of entry.
JUDGMENTS in courts of record where no defense is
made are entered immediately after expiration of time
designated in the summons for defendant's appearance.
Are liens for two years on all real estate of the debtor
within the county, which may be extended to other
counties by filing a certified copy of the docket in
the office of the County Recorder. Judgments in Justice's Courts have the same effect when transcript is
filed .
LIMITATIONS TO SUITS. Actions must be brought as
follows : Within five years, upon a judgment or decree
of any court of the United States, or of any State
within the United States, or an action for mesne profits
of real property; within four years, an action upon
any contract, obligation, or liability, founded upon an
instrument of writing executed in this State-(promissory notes included); within three years , an action
upon a liability created by statute-other than a penalty or forfeiture ; for trespass upon real property; for
taking, detaining, or injuring any goods or chattelsincluding actions for the specific recovery of personal
property; for relief on the ground of fraud or mistake.
Within two years, upon a contract, obligation, or liability-not founded upon an instrument in writing, and
on promissory notes and other written instruments
executed out of this State.
MARRIED WOMEN. All property acquired in any
manner before marriage, or afterward, by gift , bequest,
devise, or descent, is wife's separate property, and
controlled as iffeme sole. All property acquired after
marriage by husband or wife , except as above, shall be
common property. Earnings of wife are not liable for
debts of the husband, but he controls the community
property. Dower and curtesy are unknown, but the
widow takes half the common property after payment
of debts and expenses of administration . A married
woman may dispose of all her separate estate by will
without consent of her husband.
MORTGAGES of real estate do not require the wife's
signature unless the property is the homestead or her
own separate estate. They are executed and acknowledged in the same manner as deeds. Chattel mort-
38
COMMERCIAL LAWS.
gages to be valid against persons other than the parties
thereto must show the residence and trade of the
mortgagor and mortgagee, the rate of interest charged,
and when and where it is payable, and mortgagor and
mortgagee must each make affidavit that the mortgage
is bona fide and made without design to defraud or
delay creditors . The same equity of redemption exists in lands sold under mortgage as under execution.
NOTES AND BILLS OF EXCHANGE are governed by the
civil code. Notice of dishonor may be given by the
holder or any party to the instrument who may be
called on to pay it, and must be in writing. Days of
grace are not allowed. The 1st of January, 22d of February, 4th of July, 25th of December, day of State election, and Thanksgiving Day, are legal holidays . Damages instead of interest to time of dishonor are allowed
on dishonored bills, drawn or negotiated in this State,
as follows: two per cent. of the amount if drawn on a
person in this State ; five per cent. on a person out of
the State west of the Rocky Mountains ; ten per cent.
on a person east of the Rocky Mountains, and fifteen
per cent. if on a person in a foreign country. The apparent maturity of a bill of exchange or promissory
note payable at sight or on demand, and bearing interest, is one year from its date ; ifit does not bear interest,
ten days from date on bills and six months on promissory
notes, and when the latter are payable at a certain time
after sight or demand, said time is added.
SUITS. Where Brought. There is but one form of
action, commenced by filing a written complaint with
the clerk of the court ; or if in a Justice's Court it may
be by filing a copy of the note, bill, or account, on
which action is brought. Summons must be issued
within one year after complaint is filed, and if defendant evades service he may be notified by publication .
In the Superior Courts the defendant is allowed ten
days after the service of summons and complaint to appear and answer the complaint, where service is made
within the county in which the action is brought ;
twenty days if served out of the county but in the district in which the action is brought ; and forty days if
served elsewhere. In Justice's Courts five days are
allowed defendant to answer where summons is served
in the township where action is brought ; ten days if
served out of the township but in the county in which
action is brought, and twenty days if served elsewhere .
TAXES become delinquent on the first Monday in
January, after which, five per cent. is added. Delinquent list is published on or before the first Monday in
February, and sale is made in front of the court house
not less than twenty-one nor more than twenty-eight
days after first publication . Taxes on personal property are a lien on real estate of same owner. Owner of
real estate sold for taxes may redeem within one year
by paying the amount and fifty per cent. additional to
the County Treasurer. [ NOTE. -The new Constitution
provides that each taxpayer must furnish a sworn statement of his property, and also provides for the collection of an income tax and poll-tax. In this as
in some other points affected by the new Constitution the Legislature is charged with the passage of laws
necessary to carry out the constitutional provisions . ]
COLORADO.
ACKNOWLEDGMENTS of deeds within the State may
be taken before any Justice, Clerk, or Deputy Clerk,
of the Supreme or District Courts, County Judge,
County Clerk or Recorder, Justice of the Peace, or
Notary Public. In other of the United States and
Territories, before the Secretary of State, under the seal
of the State, any authorized officer of said State or
Territory, or any Commissioner of Deeds. In foreign
countries, before any Judge of a court of record,
Mayor or chief officer of any city or town having a seal,
or any Consul of the United States. The Act of 1879
provides that " Deeds, bonds and agreements in writing,
conveying lands, or any interest therein, or affecting
title thereto, may be acknowledged or proved before
any clerk of the Circuit or District Court of the United
States for the district of Colorado, or any deputy of
such clerk ; such clerk certifying such acknowledgment under the seal of such court respectively. ”
ASSIGNMENTS AND INSOLVENCY. There are no statutory enactments whatever concerning insolvency or
assignments.
ATTACHMENT. Where defendant is a non-resident or
a foreign corporation, or a corporation whose chief
office or place of business is out of the State, or has
been four months absent from the State, evades service, attempts to remove or frauduently conveys, transfers, assigns or conceals his property, or where the
debt was fraudulently contracted, plaintiff may obtain
a writ of attachment by making affidavit to the facts
and giving bond with security in double the amount
claimed. Garnishee process will issue in aid of attachment or execution where sufficient property to satisfy
the same is not found by the officer. Imprisonment
for debt is abolished , and no civil action can be begun
by arrest, but in actions founded upon a tort where the
jury find that in committing the tort defendant was
guilty of malice, fraud, or willful deceit, execution may
Issue against the defendant's body, and he may be imprisoned
not exceeding one year, or until the judgment
is satisfied.
COURTS . Terms and Jurisdiction. District Courts
hold from one to two terms a year in each county (three
in Lake and Arapahoe counties). They have original
jurisdiction in all cases, both of law and equity. County
Courts are held in the counties of Arapahoe, Lake, Carbonate, El Paso, Park, Sagauche, Summit, Rio Grande,
and Weld, six times a year, and in the other counties
four times. They have exclusive probate powers, and
concurrent jurisdiction with the District Courts where
the debt, damages or claim does not exceed $2,000.
Justices of the Peace have civil jurisdiction up to $300.
EXECUTIONS may be issued from all courts immediately on entering judgment, and become a lien at once
on all personal property of defendant within the county.
When issued from a court of record, are returnable in
ninety days ; from a Justice's Court, thirty days ; and
land on which defendant resides must be taken last.
Defendant or legal representative has six months in
which to redeem lands sold under execution ; judgment
creditors may redeem after six and within nine months.
Where execution is returned unsatisfied, judgment
debtor may be required to answer under oath touching
his property, and if it appears by affidavit that there
is danger of his absconding, he may be arrested and
held to bail. There is no stay of execution except by
appeal.
EXEMPTIONS. Homestead consisting of house and
lot or lots in any town or city, or of a farm of any number of acres, so that the value does not exceed $2,000 ,
when such homestead has been entered of record as
such, and is occupied by a householder, the head of a
family. Personal property exempt includes all wearing apparel of the debtor and his family, pictures,
school books and library, beds and bedding, stoves,
cooking utensils, and household furniture, not exceeding $100 ; provisions for six months, tools, implements ,
or stock in trade, up to $200 ; one cow and calf, ten
sheep and necessary food for six months ; working
animals, up to $200; the library and implements of a
professional man up to $300. Persons not the heads
of families are entitled to tools, working animals, and
stock
in trade, not exceeding $300 in value.
INTERES
T. The legal rate where no agreement is
made is ten per cent. and the same is allowed on judg
ments and county orders , and eight per cent. on State
warrants. There are no usury laws.
JUDGMENTS are liens upon real estate within the
County as soon as abstracts thereof are filed of record
in the office of the County Recorder and not before, and
may be extended to other counties by filing transcript.
Lien continues six years from entry of judgment, provided execution be issued on the judgment within one
year.
LIMITATIONS TO SUITS. The Act which went into
effect May 15, 1879, provides that an action accrued out
of the State upon a contract or agreement, express
or implied, or upon any sealed instrument or judgment
of any court more than six years before commencement
of the action, is barred. On notes, accounts, bonds , etc.,
when the cause of action accrued within the State, the
limit is six years. Bills for relief on the ground of
fraud, must be filed within three years from discovering
the fraud.
MARRIED WOMEN retain their separate property, real
and personal, owned at marriage or acquired thereafter
by gift, devise, descent, or bequest-including presents
from the husband-for their own separate use, and not
liable for their husbands' debts. They may carry on
trade or business , sue and be sued, contract debts, and
execute promissory notes, bonds, bills of exchange,
and other instruments, precisely as if sole, and may
convey real estate without the husband joining in the
deed. In all actions against a married woman, except
as touching her separate property, the husband must
be joined as a co-defendant. A married woman may
make a will, but can not bequeath more than half her
COMMERCIAL LAWS.
property away from her husband without his consent in
writing. Dower is abolished, and the estate of an intestate descends to the surviving wife or husband
where there are no children, or descendants of children ;
in other cases survivor takes one-half, subject to payment of debts. The husband can not by will deprive his
wife of over one-half of his property.
MORTGAGES. There are no statutory provisions except as to foreclosure and redemption from sale, the
same time being allowed for redemption as in sales
under execution. Trust deeds are common, and lands
or real estate sold by a trustee under deed a of trust are
not redeemable. Chattel mortgages, to be valid as to
third parties , must be acknowledged before a Justice
or Notary Public of the nearest precinct, and recorded
in the Recorder's office, unless possession of the chattels actually passes. They may be given for a term of
two years, and, after default, mortgagee must not delay
in taking possession, or his lien will be invalidated as
to third parties.
NOTES AND BILLS OF EXCHANGE . Promissory notes,
due bills, bonds, and other instruments in writing, are
negotiable by indorsement, and if made payable to a
person or bearer, do not pass by delivery only, but must
be assigned by indorsement, so as absolutely to vest
the property in each assignee successively. Assignee
must use due diligence against the maker before he
can hold the assignor liable. Three days of grace are
allowed on notes and bills , except drafts payable ta
sight, and checks for funds deposited subject to draft
at sight. Paper maturing on Sunday, Fourth of July,
Christmas, or any day set apart by the Presidentof the
United States, or the Governor, as a day of fasting or
thanksgiving, is deemed to fall due the previous day,
and may be presented and protested accordingly. Protest is necessary on bills of exchange drawn by parties
in the State on parties residing without the State, for
39
non-acceptance or non-payment; and the drawer or
indorser thereof, due notice being given of such nonacceptance or non-payment, must pay said bill, with
legal interest thereon from the time such bill ought to
have been paid, and ten per cent. damages in addition,
together with the costs and charges of protest.
SUITS. There is but one form of civil action, commenced in courts of record by filing a written complaint with the Clerk, and in Justice's Courts by summons, stating amount of demand. Summons must be
issued within one month from filing complaint, and defendant is required to answer or stand default within
ten days, if served within the county; twenty days
within the district but outside the county, and forty
days elsewhere in the State. Service may be had by
publication where defendant resides out of the State,
or has departed from it, or conceals himself, or can not
be found. In Justice's Court, service must be had three
days before return day, which is fixed at five days from
the issuance of summons. Non-residents must give
security for costs at the time of commencing action.
TAXES are a perpetual lien on real estate until paid.
It is the duty of persons subject to taxation to attend
at the Treasurer's office and pay their State and county
taxes between November 1 and December 30 of each
year, and after January 1 taxes draw interest at the rate
of twenty-five per cent. per annum. Real estate delinquent is advertised in April by the County Treasurer
and sold in June . May be redeemed in three years by
payment of amount for which it was sold, with interest
as above, and penalty of fifteen per cent, additional if
redeemed within three months; twenty-five per cent.
over three months and within a year; forty per cent.
over one year and within two, and fifty per cent. if over
two and within three years, with all subsequent taxes
paid by purchaser, and twenty-five per cent. interest per
annum thereon.
CONNECTICUT .
ACKNOWLEDGMENTS . Deeds of'land must be in writing, subscribed and sealed by the grantor, attested by
two witnesses, and personally acknowledged. An acknowledgment, whether within or without the State, is
sufficient if made before a Judge of any court of
record, Justice of the Peace, Notary, or any officer empowered by law to receive acknowledgments. Within
the State, deeds may also be acknowledged before
Judges of Probate, Commissioners of the School Fund,
Clerks of the Superior Court, and Town Clerks . In
foreign countries, before a United States Consul, Notary
Public, or Justice of the Peace.
ASSIGNMENTS AND INSOLVENCY. Voluntary assignments in insolvency can be made by any debtor to a
trustee of his own selection, subject to the substitution
of another by the Probate Court, if deemed proper.
Assigning debtor must lodge with Court of Probate a
list verified under oath of his creditors and schedule
of his property. [ Public Acts , 1880, p . 523. ] A
creditor for over $ 100, having brought suit and finding
no property to attach, may apply to the Probate Court
for the appointment of a trustee in insolvency of the
debtor's estate. A hearing is had, and, if the petition
is granted, trustee takes all debtor's estate not exempt;
and all incomplete levies or attachments on mesne
process commenced within sixty days previous , are
dissolved. Three to six months are allowed to prove
claims, which are passed upon by commissioners
appointed for that purpose. The debtor receives an
allowance for his support and that of his family, and if
the estate pays seventy per cent. of all claims proved,
he obtains a full discharge. Debtors may be arrested in
actions for fraud or torts, and can give bail to the officer
making the arrest, for their appearance before the court
to which the writ for arrest is returnable. A debtor
committed to jail on civil process can be released on
taking an oath that he has not any real or personal
estate in possession, reversion or remainder, of the
value of $17 in the whole, or sufficient to pay the
demand for which he is imprisoned , except what is by
law exempted from being taken on execution ; and that
he has not, directly or indirectly, sold, or otherwise
disposed of, all or any part of his estate, thereby to
secure the same, or to receive or expect any profit or
advantage therefrom, or to defraud or deceive his creditors . The debtor will not be released if his oath is
overcome by rebutting evidence. All debts due any
laborer or mechanic for personal wages for labor performed within three months next preceding the assignment are to be paid in full to the amount of $100, before
the general liabilities of the debtor are paid.
ATTACHMENT is served by attaching goods or lands of
defendant, or, if none be found, by attaching the person when liable. Non-resident plaintiff must furnish
bond for costs. Goods concealed in hands of agents,
or debts due to the defendant, are reached by foreign
attachment, which takes the place of garnishment. No
assignment of future earnings will prevent their attachment when earned unless made to secure a bona
fide debt, due at the date of such assignment, the
amount of which shall be stated therein as nearly as
possible, nor unless the term for which they are
assigned shall be definitely limited in the assignment,
nor unless recorded, before such attachment in the
Town Clerk's office in the town where the assignor
resides, or if he reside without the State in the town
where the employer resides and a copy left with the
employer. [Public Acts, 1878, p . 263. ]
COURTS. Terms and Jurisdiction. Superior Court
holds from two to four terms per year in each county
for the trial of civil causes, and has exclusive jurisdiction in all law and equity cases exceeding $500. Court
of Common Pleas in Hartford, Fairfield, New London
and New Haven counties, has exclusive law and equity
jurisdiction above $100 and below $500, and in New
Haven county only concurrent jurisdiction with the
Superior Court above $500 and up to $1,000. Four terms
each year are held in each of the counties named.
District Court has jurisdiction in Litchfield county up
to $1,000, and there are City Courts with limited civil
jurisdiction in many of the cities. Probate Courts deal
with the settlement of estates and insolvency proceedings , and Justices of the Peace have civil jurisdiction
up to $100.
EXECUTIONS issue on the return of final judgment,
and are returnable within sixty days. No execution
issued in an action founded on contract merely can be
levied on the body of the debtor except for breach of
or
promise of marriage, misconduct or neglect in officeesprofessional employment, or breach of trust. Real
tate levied on must be appraised by three indifferent
persons . Stay of execution only on appeal, or in special
causes at discretion of court.
EXEMPTIONS. No Homestead law. Of the property of
any one person, his necessary apparel and bedding
and household furniture necessary for supporting life;
arms, military equipments, uniforms or musical instruments owned by any member of the militia for
military purposes ; any pension moneys received from
the United States while in the hands of the pensioner;
implements of the debtor's trade, his library not exceeding $500 in value ; one cow not exceeding $150 in
40
COMMERCIAL LAWS.
value; any number of sheep not exceeding ten nor exceeding in all $150 in value ; two swine and the pork
produced from two swine, or two swine and two hundred pounds of pork; poultry not exceeding $25 in
value; certain specified family stores ; one stove and
the pipe belonging thereto ; the horse of any practicing
physician or surgeon of a value not exceeding $200, and
his saddle, bridle, harness and buggy; one boat used
in the business of planting or taking oysters or clams,
or shad, with the sails, tackle, rigging and implements
used in said business not exceeding in value $200 ; one
sewing machine in use ; one pew in church in use, and
lots in burying ground, appropriated by its owner for
the burial place of any person or family ; so much of
any debt which has accrued by reason of the personal
services of the debtor as shall not exceed $10, or if he
have a wife or family as shall not exceed $25, and all
benefits allowed by any association of persons in this
State toward the support of its members, incapacitated
by sickness or infirmity, shall be exempted from foreign attachment or execution, provided that in suits
brought to recover any debt for house rent, provisions,
wearing apparel or fuel, $10 only shall be exempted,
and no exemption allowed for debts for personal board
furnished for the debtor or his family. Minors' wages
to amount of $ 10 exempt, but no exemption when debt
is for personal board or necessaries furnished minor
or parents of said minor. [ Public Acts , 1880, p.
540.1
INTEREST. Legal rate, six per cent.; no penalty for
usury.
JUDGMENTS carry six per cent. interest, but are not
liens, and execution may be had at any time during the
life of both parties. Judgment may be obtained within the first three days of term to which suit is brought,
unless debtor makes reasonable defense . Certificate of
judgment may be recorded by judgment creditor or his
assignee in town clerk's office, and such judgment from
the time of filing such certificate shall constitute a lien
upon the real estate described in such certificate , and if
such lien be placed upon real estate attached in the suit
upon which such judgment was predicated and within
four months after such judgment was rendered , it shall
hold from the date of such attachment. Such lien may
be foreclosed or redeemed in the same manner as mortgages upon the same estate. [ Public Acts 1878 , page
293. ]
LIMITATIONS TO SUITS. Open accounts and contracts
not under seal, six years ; instruments in writing and
promissory notes not negotiable, seventeen years ; express contracts not specified, and of which there is no
written memorandum, three years. Usual exceptions
in favor of married women, minors , lunatics, and those
imprisoned. The time during which the party against
whom there may be such cause ofaction shall be without the State, shall be excluded from the computation.
Title to real estate by adverse possession may be gained
in fifteen years.
MARRIED WOMEN. By a law passed in 1877, neither
husband nor wife shall acquire any interest in the
estate of the other by force of a marriage contracted
subsequent to April 20, 1877, except as to the share of
the survivor in the property of the other; and in such a
marriage, the separate earnings of the wife shall be her
sole property, and the wife shall have power to make
contracts with third persons, and to convey to them her
real or personal estate in the same manner as if she
were unmarried. All her property shall be liable to be
taken for her debts in the same manner and to the same
extent as if she was unmarried-except that the property of the husband, when found, shall be first applied
to satisfy liabilities incurred for the support of the
family. On the death of the husband or wife, the survivor, (except where by a written contract made before
marriage, or after, either party has received from the
other what was intended as a provision in lieu of the
statutory share) shall be entitled to the use for life of
one-third in value of all the property, real or personal,
owned by the other at the time of his or her decease,
after the payment of all debts and charges allowed
against the estate. The right to such third can not be
defeated by will. Where there is no will the survivor
shall take such third absolutely, and if there are no
children, shall take one-half absolutely.
In cases of marriages contracted prior to April 20,
1877, the husband and wife may enter into a written
contract for the mutual abandonment of all rights of
either in the property of the other under previous
statutes, or at common law, and for the acceptance instead thereof of the rights given by act of 1877, and
when such contract is recorded in the Probate Court of
the district and the Town Clerk's office in the town.
where they reside, the provisions of act of 1877 shall
apply to such marriages.
In marriages contracted prior to April 20, 1877, the
wife remains under the same disabilities as before
the law of 1877 was passed, (unless written contract
is made and recorded as above mentioned), that is, her
husband must join her in all conveyances of her estate,
and an action can be sustained against her only for
torts committed by her and upon contracts made by
her, upon her personal credit, and for the benefit of
herself, her family or her joint or separate estate.
Contracts which by express agreement charge estate
held to her sole and separate use may be enforced
against such estate. Her property is not liable for her
husband's debts nor can his interest in her estate be
taken for his debts . Any married woman may make a
will subject to the marital rights of her husband.
Dower exists only in real estate of which the husband was seized at his death.
The husband acquires a right to the use of all the
land of his wife during her life, and if he has a child
by her, and survives her, then during his own life as
tenant by curtesy.
Personal property of any woman married since
June 22d, 1849, and before April 20, 1877, vests in her
husband as trustee, to use the income during his life,
subject to the duty of expending what may be necessary of such income for the support of his wife during
her life and of their children during their minority, and
of expending any part of the principal that may be
necessary for the support of the wife, or otherwise
with her written assent.
Upon the death of the husband the remainder to be
transferred to the wife if living, otherwise as the wife
may by will have directed, or in default of such will, to
those entitled by lawto succeed to her intestate estate.
By a law passed in 1878, all property thereafter acquired by any married woman shall be held by her to
her sole and separate use.
MORTGAGES of real estate are executed, acknowledged and recorded in the same manner as deeds, and
are foreclosed by bill in equity. The equity of redemption exists for a limited time fixed by the court (usually from two to six months) . Chattel mortgages to be
good against third parties, where the mortgagor retains
possession, must be executed, acknowledged and recorded as mortgages of land, and can only be made of
the following described personal property-with or
without the real estate in which the same is situated or
used-namely: machinery, engines or implements situated and used in any manufacturing or mechanical
establishment, machinery, engines, implements, cases,
types, cuts or plates situated and used in any printing,
publishing or engraving establishment, household furniture in a dwelling house used by the owner therein in
housekeeping ; hay and tobacco in the leaf in any
building. Hotel keepers may mortgage the furniture,
fixtures and other personal chattels contained and
used in the hotels occupied by them or employed in
connection therewith. Chattel mortgages are foreclosed by sale under order of court.
NOTES AND BILLS OF EXCHANGE . No days of grace,
unless specified , are allowed on non-negotiable notes,
or on paper payable at sight or on demand. Promissory notes, made payable to order or bearer, for the
payment of money, alone are negotiable. A negotiable
promissory note payable on demand is regarded as
dishonored if unpaid four months after date. Demand
and reasonable notice are necessary to bind indorsers.
Notes or bills falling due upon any holiday, to wit: 1st
of January, 22d of February, 30th of May, 4th of July,
December 25th, Thanksgiving, or Fast Day, are presentable for payment or acceptance on the secular day
next preceding such holiday. Damages for protested
bills, foreign, are from two to eight per cent. , according
to location of State where protested.
SUITS. Process in civil actions is by summons or
attachment. All processes before the Superior Court,
District Court, or Court of Common Pleas, must be
served at least twelve days before the session of the
court; in Court of Common Pleas for New Haven
county, where defendants reside in town of New
Haven, service made six days inclusive before the session of the court is sufficient; before a Justice, six
days. Where there is process of garnishment, garnishee must be served with copy of writ twelve days
before session of the court, whether Justice or other
court.
TAXES . Land may be sold for delinquent taxes after
due advertising, only so much being sold as is necessary to pay taxes and costs. Owner has one year in
which to redeem, by paying the purchase money, with
twelve per cent. interest. Any mortgagee or creditor
of the owner may redeem within the year, and may hold
the estate as security for the purchase money and interest as aforesaid.
COMMERCIAL LAWS.
41
DAKOTA.
ACKNOWLEDGMENTS of deeds or instruments within
the Territory may be made before a Justice or Clerk of
the Supreme Court, and within the judicial district ,
county subdivision, or city for which the officer was
elected or appointed, before the Judge or Clerk of any
court of record, Mayor, Justice of the Peace, Register
of Deeds, or Notary Public. If without the Territory,
before any Judge or Clerk of a court of record of the
United States, or any State or Territory, Notary Public
or Commissioner of Deeds. In foreign countries, before a Minister, Commissioner, Diplomatic or Consular
Agent of the United States, or a Judge or Notary Public
of said country. Letters patent from the United States
and final Receiver's receipts from the United States
Land Offices may be recorded without acknowledgment or further proof.
ASSIGNMENTS AND INSOLVENCY. Insolvent debtor
may in good faith make assignment in trust for benefit
of creditors which may provide for any subsisting liability of the assignor, whether absolute or contingent.
Such assignment is subject to provisions of the code
relative to trusts and fraudulent transfers. Any debtor
may make assignment, with or without consent of creditors,
and be thereby discharged from all his debts and
liabilities.
ATTACHMENT process issues at the time of granting
the summons or at any time afterward in actions on
contracts for the recovery of money only, or for wrongful conversion of personal property, against a foreign
corporation or non-resident defendant, or when defendant has absconded or concealed himself, or has assigned,
disposed of, or secreted his property, or is about to do
so with intent to defraud creditors. Plaintiff must
make affidavit and furnish bond in not less than $250
and equal to the amount specified in District Courts,
and at least $50 and not exceeding $300 in Justice's
Courts. Real " and personal property, debts , moneys ,
credits and bank-notes may be attached or levied on under execution, but there is no process of garnishment.
COURTS. Terms and Jurisdiction. District Courts
have exclusive chancery and common law jurisdiction
above $100, and where title to real property is concerned. Courts sit twice a year in nearly all the
counties. Probate Courts hold six terms a year, and
are always open for business . Justice's jurisdiction,
$100. District Courts have also concurrent jurisdiction with Justice's Courts for sums less than $100.
EXEMPTIONS . Homestead ; one acre if within a town
plat and 160 acres if not, with house and appurtenances,
unlimited in value. Exemption is absolute except
as to taxes, mechanics' lien for work on the homestead, and debts created for the purchase thereof. Personal property exempt, $1,500, besides wearing apparel, books to $100, provisions for one year, family pictures, etc.
EXECUTIONS issue as of course at any time within
five years after judgment, and must be returned within sixty days. Lands levied on need not be appraised,
but notice of sale must be given. Same provisions apply in Justice's Courts as to levy, etc., on peronal property. There is no stay law, and execution can only be
stayed by order of the court for irregularity, by injunction, or by appeal with security given. Real estate
sold under execution may be redeemed within one year.
INTEREST. Legal rate seven per cent., but parties
may contract in writing for twelve per cent. Usury
forfeits all interest. Interest on open accounts runs
from date of last item charged , whether debit or credit.
Legal rate allowed on judgments .
JUDGMENTS of courts of record are a lien on all real
estate except the homestead for ten years from time
such judgment is docketed in the Clerk's office of the
county where the land is situated, and, by having execution issued every five years, are good for twenty years.
In courts of record may be obtained within thirty days
after service of summons and complaint; in Justice's
Courts, four days , where no defense is interposed.
LIMITATIONS . Personal actions , two years ; on contracts or obligations, six years ; on sealed instruments,
judgments or decrees of any court, and in real actions,
twenty years.
MARRIED WOMEN retain their own real and personal
property, and may make contracts, sue and be sued
as if sole. Neither husband nor wife has any interest
in the property of the other . Dower and curtesy are
abolished.
MORTGAGES of realty must be in writing, with the
formalities required in case of a grant of real estate.
Wife need not join except in mortgage of homestead.
If containing power of sale, may be foreclosed by adver
tisement without intervention of court. Mortgagee
has possession of the premises during the year of redemption after sale. Chattel mortgages are void as
against creditors and subsequent purchasers in good
faith unless filed in office of Register of Deeds within
the county.
NOTES AND BILLS OF EXCHANGE. Three days of
grace allowed on all bills of exchange or sight drafts ,
whether foreign or domestic, and on all promissory
notes, bills of exchange and drafts , on the face of which
time is specified, and notes on demand for payment of
same. Acceptances must be in writing by the drawee
or an acceptor for honor. To hold indorser the instrument must be presented on the day of maturity, and
notice of dishonor given. Damages are allowed in favor of holders for value on bills of exchange drawn or
negotiated within the Territory and protested for nonacceptance or non-payment. Apparent maturity of a
non-interest bearing sight or demand note is ten
days after date, in addition to the
required for
transmission ; on interest-bearing time
notes, one year
from date.
SUITS . Actions in courts of record are commenced by
summons, and service may be made by notice, or, ifdefendant is non-resident, by publication . All civil actions must be prosecuted in the name of the real party
in interest.
TAXES become due and payable on the first day of
October, and delinquent on the first Monday of February following, and draw ten per cent. interest, to which
five per cent. penalty is added on the amount unpaid
and one per cent. per month thereafter until paid, these
penalties being added on the first day of each month.
Lands are sold on first Monday in September following, and may be redeemed within two years, by payment of purchase money and interest at the rate of
thirty per cent. per annum and all taxes (subsequently
paid.
DELAWARE .
ACKNOWLEDGMENTS of deeds in foreign countries
may be taken before any Consular or Commercial Agent
of the United States , and in other States and Territories before any Commissioner of Deeds for Delaware ,
whose seal must be engraved so as to show the date of
his appointment and term, or before a Judge of any of
the Federal Courts ; or of a court of record of any State,
Territory, or county ; or the Mayor of any city. One
witness is necessary to a deed.
ASSIGNMENTS AND INSOLVENCY. There is a domestic insolvent law, providing for a full surrender and
equal distribution of all property, but it is very seldom
used, and there is no provision in the Act for the discharge of the debtor upon his making an assignment.
The assignee must file a schedule of property assigned
within thirty days, and two appraisers are then appointed by the Chancellor. Assignments must be for
benefit of all creditors alike.
ATTACHMENT. Foreign attachment may issue against
foreign corporations and against a person not an inhabitant of the State, and domestic attachments may
issue when the debtor can not be found ; in both cases
upon an affidavit of the creditor or some credible person for him, setting forth the above facts . No capias
may be issued against the body of any debtor, until an
execution against his goods has been returned unsatisfied.
COURTS. Terms and Jurisdiction . The different
Courts of the State are as follows :
Court of Error and Appeals. Regular term at Dover,
Second Tuesday in June.
Court of Chancery- Regular Terms-New Castle county at New Castle, on the third Monday in February and
first Monday in September.
Kent County at Dover, first Tuesday after the fourth
Monday in March, and fourth Monday in September.
Sussex County at Georgetown, second Monday in
March, and third Monday in September.
Orphans' Court-Terms are identical with those of
the Court of Chancery.
Superior Court, Oyer and Terminer and Court of
General Sessions of the Peace and Jail Delivery.
42
COMMERCIAL LAWS.
Jurisdiction-The Superior Court has jurisdiction in husband die without issue or the children of issue, she
all civil causes.
takes a moiety instead of a third part of the real estate.
Regular Terms-Kent, fourth Monday in April and A married woman of the age of twenty-one and upOctober.
wards may dispose of her property, both real and personSussex- Second Monday in April and October.
al, by will, provided her husband give his consent under
New Castle- Second Monday after commencement of his hand and seal, in the presence of two witnesses.
or more witnesses are necessary for a will.
Two
April term in Kent, and fourth Monday in November.
MECHANICS' LIEN LAW. Any person who has furJustice's jurisdiction, $100.
material or performed work to an amount exnished
EXECUTIONS are a lien upon personalty from the time
the Sheriff receives the writ, if actual levy be made ceeding twenty-five dollars may obtain a lien. Claim
within sixty days thereafter. Lien remains in force may be filed within six months from the completion of
three years . Sale is made thirty days afterlevy , and after the building.
MORTGAGES are executed and acknowledged in the
exhaustion of personalty inquisition is held on lands.
There is no redemption on property sold under execu- same manner as deeds. They contain no power of sale,
tion or mortgage. Stay of six months is granted in and are foreclosed by intervention of a court. There is
courts of record, upon judgments recorded, for want of no redemption of property sold on execution or mortaffidavit of defense, provided security be given within gage. Chattel mortgages are a valid lien for three
twenty days after judgment. In Magistrate's or Jus- years when recorded within ten days after acknowltice's courts six months stay, upon defendant pleading edgment, Deeds must be recorded within one year
after the sealing or delivery thereof. A scroll answers
his freehold ; nine months, upon his giving security.
EXEMPTIONS. No homestead law. Family pictures, for a seal, and one witness is sufficient to a deed. A
Bible, and library; lot in burial ground and pew in husband should join in a conveyance of his wife's
church; all wearing apparel, and tools not to exceed property in order to bar his right as tenant by curtesy.
$75. In addition, debtor, where head of a family, may The certificate of acknowledgment must show that the
claim $200 of personal property.
wife relinquishes her dower.
NOTES AND BILLS OF EXCHANGE. All checks , notes ,
INTEREST. The legal rate is six per cent., and the
penalty for usury is forfeiture of the entire sum.
drafts, or foreign or inland bills of exchange, payable
JUDGMENTS of courts of record are a lien on real without time, or at sight, are due and payable on preestate of defendant within the county, from time of sentation, without grace. But grace is allowed (three
cntry. Foreign judgments have no force except as days) on all paper payable at a different time from its
evidence, and new suits must be brought . Judginents date, or upon a particular day named. To hold inin courts of record may, in absence of defendant, be dorser, note must be duly presented , and notice of disrecovered at first term after suit is brought, and, in honor given to indorser. When due on February 22,
Justice's Courts, immediately upon return of summons, July 4, and Christmas day, must be presented on previous day.
after proper proof of claim.
LIMITATIONS TO SUITS. Open accounts and contracts
SUIT may be commenced by capias, summons, and
not in writing, three years ; contracts in writing, six (where defendant is non-resident) by attachment of
years; sealed instruments , judgments, decrees and property. Summons in Justice's Courts may be issued
real actions , twenty years. Revivor: Direct acknowl- forthwith, and are returnable within fifteen days from
edgment or distinct admission of the debt. Claims date of issue. In Superior Court the summons must
against deceased persons. One year fromthe date of the be served personally on debtor before court sits , or by
granting of letters is allowed for the settling of the es- leaving a copy of the summons at his usual place of
tate. The proofs of claims by residents and non- abode, in presence of some white adult person, six days
residents are the same. Upon giving the requisite before court sits. Service by publication allowed in
security within the State, a non-resident may act as the Court of Chancery only.
executor or administrator.
TAXES not paid within ten days after demand , may
MARRIED WOMEN retain their real and personal prop- be collected by distress and sale of personalty, on ten
erty owned at marriage (where married since April 9, days ' notice. Tenant's personal property may be sold
1873) or received from any person other than the hus- for taxes delinquent on the land, or where landlord is
band . May receive wages fortheir personal labor, and non-resident or a minor, and if not thus collectable,
prosecute and defend suits for preservation and pro- land may be sold. The owner, or his legal representatection of their own property, as if unmarried, and the tives, may redeem within two years, on payment of
rents, issues and profits of their separate estate are not purchase money and twenty per cent. interest.
controllable by the husband. Dower: The widow is
REVISION. The Revised Code was adopted 1852 ;_reentitled to one-third part of all the lands and tenements published, with amendments, 1874. Reports: Harwhereof her husband was seized at any time during her rington's reports. five volumes : Houston's, four
marriage, unless she shall have relinquished such volumes. Practice is under the common law modified
right for and during the term of her natural life. If her by statute.
DISTRICT OF COLUMBIA.
ACKNOWLEDGMENTS in the United States and Territories may be taken before the Judge of any court of
record of the United States, State or Territory, any
Justice of the Peace , Notary Public, or Commissioner
of Deeds . In foreign countries, before any Judge or
Chancellor, Master in Chancery, Notary Public, or
Diplomatic or Consular officer of the United States .
ASSIGNMENTS AND INSOLVENCY. No insolvent laws
in force. No assignment made by any person who at
the timethereof is beyond the limits of the District, is
valid until assignee gives approved bond to pay all
debts due by assignor at time of assignment, to residents of the District to the extent of the funds received
by the assignee under such assignment.
ATTACHMENT process may be obtained in any action for debt where defendant is non-resident, evades
process, or is removing or concealing property, but
creditor's affidavit must be supported by the testimony
of at least one witness who can swear to the facts
of his own knowledge. Creditor must also give secured bond for all costs and damages which may accrue
by reason of wrongful suing out of attachment. Defendant, or his attorney, may file affidavit traversing
that of plaintiff, and the issue will be tried by a Judge
in chambers, on three days' notice.
Garnishment
process is governed by the same rules. No person can
be held to bail in a civil suit, or imprisoned for debt.
COURTS . Terms and Jurisdiction. District Court
holds term on first Mondays in June and December;
Circuit Courts three times a year, with special terms
each month, fexcept August. Supreme Court holds
three general terms yearly, and has general jurisdiction
in law and equity. There is a court having probate jurisdiction, from which appeals lie to the Circuit Court.
Justice's Courts have exclusive jurisdiction up to $50,
and concurrent jurisdiction with the Circuit Courts up
to $100.
EXECUTIONS issue forthwith, unless motion is made
to vacate or set aside judgment, or appeal is taken. To
stay execution, appellant must give secured bond for
amount of judgment. No redemption of property sold
under execution .
EXEMPTIONS . No homestead law. Personal property
exempt, except for servants ' or laborers ' wages due,
includes : Wearing apparel ; household furniture to
the value of $300 ; provisions and fuel for three months ;
mechanics ' tools , or implements of any trade, to the
value of $200, with stock to the same amount ; the library or implements of a professional man or artist, to
the value of $300 ; a farmer's team and other utensils
to the value of $ 100 ; family pictures and library to the
value of $400. Under an Act approved June 19, 1878,
the earnings (not to exceed $ 100 per month) of all actual
residents of the District, who are married or supporting
their families within said District, are exempt from attachment, levy, seizure or sale under process . This
Act does not apply to debts, contracts, notes or judgments existing at the time of its passage.
INTEREST. Legal rate, six per cent. Parties may
stipulate in writing for ten per cent. Usury forfeits all
COMMERCIAL LAWS.
interest, and if more than the legal rate be paid, the
whole interest may be recovered by suit brought within one year.
JUDGMENTS of Supreme Court are liens on real estate
from date of rendition, and on personalty from issue of
execution . Such liens must be enforced within twelve
years, but may be revived by scire facias. Judgments
of Justice's Courts are not liens on real estate until
after return nulla bona, and filing of judgment in Supreme Court.
LIMITATIONS TO SUITS. Actions of account, or simple
contract, note or book account, or debt not of specialty,
detinue, replevin, and trespass, must be brought within three years ; on specialties, twelve years . Deeds of
trust are not barred until after twenty years. Persons
under legal disabilities have time after removal of such
disabilities, in which to commence suit.
MARRIED WOMEN retain their separate estate, owned
at time of marriage, or acquired thereafter in any manner otherwise than by gift or conveyance from the
husband, as absolutely as if unmarried. Any married
woman may contract and sue and be sued in her own
name, in all matters relating to her sole and separate
property, but those only, in the same manner as if she
were unmarried ; but neither her husband nor his property shall be bound by any such contract, nor be liable
43
for any recovery against her in any suit. She has been
held liable for furniture bought by her for her own
house. Execution of judgment may be enforced against
her separate estate. The earrings of a married woman
are the property of her husband.
MORTGAGES are almost unknown, their place being
taken by deeds of trust conferring power on trustee to
sell property ondefault ofpayment of the debt or interest. Wife must join in deed of trust on real estate in
order to convey her dower. Deeds oftrust on real estate
take effect, as to third parties, from the date of their
record. Chattel deeds of trust must be recorded within twenty days from the date of their execution . Wife
must join in such deeds in order to convey exempted
property.
NOTES AND BILLS OF EXCHANGE . No grace allowed
on sight drafts ; three days on all other commercial
paper.
SUITS. Actions are begun by filing bill , petition,
declaration, or information, and depositing $10 for
costs . First Tuesday of every month is return day and
appearance day for parties . "To obtain a judgment at
law by default on any rule day, declaration, supported
by affidavit, must be filed, and process served at least
twenty days before such rule day."
FLORIDA.
ACKNOWLEDGMENTS. Deeds to freehold , or interest
therein for a term of over two years, must be in writing,
sealed and delivered in the presence of two witnesses.
Transfers, re-grants and releases subject to same rules.
In case a deed, mortgage or other instrument shall be
executed in another State, the acknowledgment may
be made before any Judge or Clerk of a court of record,
Notary Public, Justice of the Peace, or other officer
authorized by the laws of such State to take acknowledgment of deeds therein.
ASSIGNMENTS AND INSOLVENCY. No laws relating to
insolvency. Debtors may assign their property with
or without preference.
ATTACHMENT process may issue upon affidavit
made before the proper officer, setting forth amount
actually due ; that plaintiff has reason to believe defendant will fraudulently part with his property before
judgment can be obtained, or is actually removing his
property, etc. Plaintiff must give bond, with two
securities, in at least doublethe debt or sum demanded.
No arrest allowed in civil actions, and no imprisonment for debt except in case of fraud. Garnishee
process issues on judgment rendered. Writs of garnishment may also be issued at commencement of suit
or at any time afterward, provided the plaintiff, his
agent or attorney, will make affidavit that he does not
believe the defendant will have in his possession,
within the State and county, property subject to execution sufficient to satisfy the judgment he expects to
obtain.
COURTS. Circuit Courts hold two terms a year in
each county, and have original jurisdiction in all equity
cases, also in all cases at law involving over $ 100.
County Courts holding regular terms on the second
Tuesday in each month, and at all times open for probate business, have full probate powers. Justice's
jurisdiction, $100 ; terms held once a month.
EXECUTIONS are returnable when satisfied, Sheriff
reporting progress at each term. Sale day first Monday in each month. No stay law. No redemption on
property sold under execution.
EXEMPTIONS . Homestead of 160 acres of land, and
improvements, if in the country; a residence and onehalf acre of ground, if in a village or city, together
with $1,000 worth of personal property. No property
is exempt from sale for taxes, or for obligations contracted for its purchase, or the erection of improvements thereon. The wages of every laborer who is
the head of a family residing in the State, are exempt
from attachment.
INTEREST. Legal rate eight per cent., which rate is
allowed on judgments and contracts where interest is
payable but no rate is specified . All usury laws have
been repealed, and any rate may be contracted for.
JUDGMENTS are a lien upon real estate of debtor within the county, and may be extended to other counties
by recording.
LIMITATIONS TO SUITS. Open accounts and verbal
contracts, three years ; contracts in writing not under
seal, five years ; judgments or decrees of any court, and
instruments under seal, twenty years. Revivor: Only
by new promise in writing.
MARRIED WOMEN retain their property, real or personal, owned at marriage or acquired thereafter by gift,
devise, descent, or purchase, free from control of the
husband, and not liable for his debts. Said property
must be inventoried and recorded in the Circuit Court
Clerk's office of the county, within six months of the
marriage or subsequent acquirement of the property.
Husband must join in all sales, transfers and conveyances of the wife's property, real and personal . Widow
takes dower in a life estate in one-third part of the real
estate of which her husband was seized and possessed
at any time during her coverture , and an absolute onethird of all personalty .
MORTGAGES must be proved and acknowledged in
the same manner as deeds , and, to be effectual against
creditors or bona fide purchasers, must be recorded.
Are foreclosed by bill in equity or petition to the Circuit Court. Chattel mortgages must be recorded, unless property is delivered to mortgagee within twenty
days, and remains in his possession.
NOTES AND BILLS OF EXCHANGE governed by the
mercantile law ; no statutes in force. Five per cent.
damages is allowed on foreign commercial paper protested in this State.
SUITS. Actions at law are commenced by filing a
precipe with the Clerk. Actual service is required except in suits by attachment. Writs are returnable on
the next rule day, provided ten days intervene ; if not,
then on the rule day in the next succeeding month. If
no appearance of defendant,default is entered forthwith.
TAXES. Lands sold for taxes may be redeemed within one year, by payment of the purchase money, with
interest at the rate of fifty per cent. per annum, and
fifty cents redemption fees.
GEORGIA .
ACKNOWLEDGMENTS may be taken within the State
by a Judge or Clerk of a court of record, Commissioner
of Deeds, Justice of the Peace, or Notary Public. In
other States or Territories, by a Commissioner of
Deeds for Georgia, or Judge of court of record; in
the State where executed, with a certificate of the
Clerk, under the seal of such Court, of the genuineness
of the signature of such Judge ; and in foreign countries by a Consul or Vice- Consul of the United States.
Deeds to realty should be attested by two witnesses .
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
A debtor may prefer one creditor to another, and may
create a bona fide lien, by mortgage or other legal
means, may sell in payment of the debt, or transfer
papers as collateral security. But every assignment
made by a debtor insolvent at the time, either in trust
or in behalfof creditors, is fraudulent, and null and void,
when any trust or benefit is reserved to the assignor, or
any person for him. There is no imprisonment for debt.
ATTACHMENT process may issue when defendant
44
COMMERCIAL LAWS.
resides out of the State, is about to remove without the
limits of the county, absconds, conceals himself, or
resists legal arrest, attempts to remove property beyond the State, or fraudulently disposes of property,
or shall threaten or prepare so to do, or creates a
fraudulent lien thereon . Attachment lies at any time
to recover purchase money when due, when the property purchased remains in the possession of the debtor,
or of any one holding the same for the benefit of the
debtor, or in fraud, against the creditor. Plaintiffmust
file bond in double the amount involved. First attachment levied has priority. Garnishment issues in aid of
attachment or judgment, but journeymen mechanics
and laborers are exempt from garnishment on their
daily, weekly or monthly wages . The maker of negotiable paper in the hands of plaintiff's debtor, is liable
to a garnishment.
COURTS. Terms and Jurisdiction. Superior Court sits
in each county twice a year, and has original jurisdiction in law and equity, except in probate matters,
which are passed upon by the Courts of Ordinary,
which hold terms on the first Monday of each month .
Justice's jurisdiction, $100.
EXECUTIONS may issue at any time after judgment
is signed and filed and may be levied at once, and are
returnable at the next term of court. Stay of sixty days
maybe had by giving bond and security . In Justice's
Courts stay is sixty days where over $30 are involved ;
forty days, below that sum. Property must be advertised
once a week, for four weeks, before sale. No redemption of property sold under execution except for tax,
when owner may redeem within one year.
EXEMPTIONS . The Constitution of 1877 provides that
there " shall be exempt from levy and sale, by virtue of
any process whatever under the laws of this State,
except as hereinafter excepted, of the property of every
head of a family, or guardian, or trustee of a family of
minor children, or every aged or infirm person, or person having the care and support of dependent females
of any age, who is not the head of a family, realty or
personalty, or both, to the value in the aggregate of
$1,600." The exceptions are for taxes, purchase money
of the homestead, labor done thereon or material furnished therefor, or for the removal of incumbrances.
The debtor has power to waive or renounce in writing
the right of redemption thus provided, except as to
wearing apparel, and not exceeding $300 worth of
household and kitchen furniture,and provisions ,to be selected by himself and his wife, if any ; andhe shall not,
after it is set apart, alienate or encumber the property
so exempted, but it may be sold by the debtor, and his
wife, if any, jointly, with the sanction of the Judge of
the Superior Court of the county where the debtor resides, or the land is situated, the proceeds to be reinvested upon the same uses.
INTEREST. Legal rate is seven per cent., but contracts
in writing may be made up to eight per cent. Usury
forfeits the interest and excess charged. Judgments
bear lawful interest.
JUDGMENTS are liens from their date, on all real and
personal property of the debtor not specially exempted,
except promissory notes in hands of defendant. Stocks
in incorporated companies are made specially liable by
statute. Judgments are rendered only at second term
of Superior Court, and in the City Court of Savannah at
first term. Judgments become dormant in seven years,
if no execution is issued upon them, but may be revived
by proceedings within three years from the time they
become dormant.
LIMITATIONS OF SUITS. Open accounts and contracts
not in writing, four years ; contracts in writing not
under seal, six years; bonds and instruments under
seal, twenty years ; foreign judgments, five years. Revivor: New promise in writing, or payment on note
indorsed by debtor. Debts and contracts made, and
judgments obtained outside the State prior to June 1 ,
1865, are barred, unless suit was brought to collect or
enforce the same by or before January 1 , 1870. Adverse
possession of land for twenty years gives good title by
prescription, except against the State, and persons
under disability; and adverse possession for seven
years, under written evidence of title, gives like title
by prescription, unless the title be forged or fraudulent. A like title to personalty is acquired by four years
adverse possession.
MARRIED WOMEN. All property of the wife in possession at the time of marriage, or afterwards acquired
by her, is her separate property, and not liable for the
payment of any debts, defaults or contracts of the
husband. Wife can not bind her separate estate by any
contract of suretyship, whether in behalf of her husband or any other person. The wife, by consent of her
husband, published for one month in a newspaper, may
become a free trader, in which event she is liable as a
feme sole. Widow takes dower in one-third of all the
lands of which her husband was seized at his death.
MORTGAGES pass no title, and are simply a security
for a debt. Must be executed and proved before a
Notary Public, Justice, or Clerk of the Superior Court,
and recorded within one month. Mortgages on realty
require one witness besides the attesting officer.
NOTES AND BILLS OF EXCHANGE. No days of grace
are allowed on sight papers. It is not necessary to
protest any commercial paper in this State, for nonpayment, in order to bind the endorser, except in the
followingcases : 1st. When a paper is made payable
on its face at a bank or banker's office . 2d . When it
is discounted at a bank or banker's office . 3d. When
it is left at a bank or banker's office for collection. And
in all such cases days of grace must be allowed . The
last day of grace is the day of maturity. Accommodation indorsers are sureties , and indorsers may be sued
in the same county and action with the maker, drawer,
or acceptor. A recent statute provides that the 1st day
of January, 22d of February, 26th of April, 4th of July,
25th of December, and any day appointed by the Governor of the State , President of the United States, or
the civil authorities of any city, as a fast day or thanksgiving day, held and considered as Sunday, for all
purposes connected with presenting for acceptance or
payment, and protesting and giving notice of dishonor
of any bill of exchange, draft, note, check or order,
made after February 28, 1876 , which, but for this Act
(passed as above), would fall due and payable on any
of the days herein mentioned, shall, when said days
fall on Sunday, become due and payable on the Saturday before, and paper falling due on Monday shall
be payable on Tuesday following. If a holiday fall on
Saturday, paper due on Sunday payable on Monday.
If holiday fall on Monday, paper due that day is payable
on Tuesday.
SUITS. Actions at law must be brought twenty days
before the term of court at which they are returnable,
except suits in Justice's Courts for less than $ 100, when
thirty
fifteen days suffice . Bills in equity must be filed
days before return term. Claims sent to this State for
collection should be accompanied by full name of each
plaintiff, if a partnership, or legal style of a corporation , if plaintiff be such. Accounts and unliquidated
demands should be itemized. It is unnecessary to accompany accounts sent to this State with affidavits of
correctness. Such affidavits are useless to attorneys in
collecting.
TAXES. Owners of wild lands are required to make
returns, and sales of lands for delinquent taxes may be
made after sixty days' notice by newspaper publication.
Such lands may be redeemed within two years, by payment of purchase money and costs, with interest at ten
per cent. per annum. On other lands the time allowed
for redemption is one year only.
IDAHO.
ACKNOWLEDGMENTS of conveyances of real estate
may be taken within the Territory by any Judge or
Clerk of a court having a seal, or any Justice or Notary Public . Elsewhere within the United States or
Territories, by Judge or Clerk of court of record, or
any Commissioner of Deeds for Idaho. In foreign
countries by a Judge or Clerk of any court having a
seal, a Notary Public, or a Minister, Commissioner or
Consul of the United States , appointed to reside therein. Witnesses are not required to conveyances, but
every conveyance affecting real estate must be acknowledged or proved and certified .
ASSIGNMENTS AND INSOLVENCY . An insolvent debtor
may be discharged of his debts by executing an assign-
ment of all his property, real and personal, which, with
a sworn inventory of property and schedule of creditors, must be filed in the District Court. At a creditors'
meeting, held after thirty days ' notice given, one or
more assignees, not exceeding three, are appointed, and
claims proved. Court will set aside property exempt,
and issue order for sale of insolvent's property. Any
creditor may oppose proceedings on the ground of
fraud, and if the allegation be proven, the debtor shall be
forever deprived of the benefit of the insolvent laws.
ATTACHMENT process may issue in actions on contracts for the direct payment of money, where no mortgage or pledge had been given, or where such security,
if given, has been rendered nugatory by act of defend-
COMMERCIAL LAWS.
ant. Plaintiff must furnish boud, with two sufficient
sureties. Garnishment process may issue in aid of attachment or execution, and the garnishee must make
answer under oath. Defendant in a civil action for recovery of money or damages , under a contract, express
or implied, may be arrested, when about to departfrom
the Territory with intent to defraud, or when the debt
or obligation was fraudulently contracted.
COURTS . Terms and Jurisdiction. District Courts
hold two terms a year in Ada, Boise, Nez Perce, Oneida
and Owyhee counties, and one term annually in other
counties, and have original jurisdiction in all civil
cases involving over $100. Probate Courts are held in
each county once a month, and have concurrent jurisdiction up to $500, and concurrent jurisdiction with
Justice's Courts in all cases . Justice's jurisdiction,$100 .
EXECUTIONS issue at any time within five years after
judgment. The only stay is by appeal, with secured
bond. Six months allowed for redemption.
EXEMPTIONS. Homestead, not exceeding $5,000, if
duly acknowledged and recorded ; office furniture and
library, $ 100 ; necessary household and kitchen furniture, and provisions for family for three months ;
certain farm animals, etc. , with food for three months :
tools and implements of husbandry up to $200. Libraries of professional men, and team used by a laborer or
teamster, are also exempt.
INTEREST. Legal rate, ten per cent.; parties may
agree in writing for 12 per cent. per month. Penalty
for usury: Three times the amount paid, fine of $300
or six months imprisonment, or both.
45
JUDGMENTS are liens on all real estate of debtor within
the county, from time ofdocketing, and may be extended
to other counties by filing transcript in Recorder's
office. Lien continues two years. Justice's Court judgments become liens when certified and recorded.
LIMITATIONS TO SUITS. Contracts not in writing, four
years; instruments in writing, five years ; judgments
and decrees, six years. Revivor: Only by instrument
in writing; part payment does not.
MARRIED WOMEN. All property, real or personal,
acquired before marriage and acquired after marriage ,
by gift, bequest, devise or descent, wife's separate
property ; all other property acquired after marriage,
common property; wife must record inventory of separate property. No estate as tenant by curtesy allowed
the husband, nor dower to the wife. Half the community property goes to the surviving husband or wife; if
no descendants, survivor takes all.
NOTES AND BILLS OF EXCHANGE. No grace on sight
drafts. Damages for protested bills; domestic , fifteen
per cent.; foreign, thirty per cent.
SUITS. Civil practice is under a code similar to that
of California, and there is but one form of action, commenced by filing complaint with Clerk of the court.
Where defendant can not be found, service may be had
by publication. Defendant is required to answer the
complaint in ten days after service, if served within the
county; if out of the county, but in the judicial district, twenty days ; in all other cases, thirty days.
ILLINOIS .
ACKNOWLEDGMENTS of any instruments relating to
the sale, conveyance or other disposition of real estate,
or any interest therein, situate in this State, may be
made before one of the following officers:
First-When acknowledged within this State, before
a Master in Chancery, Notary Public, United States
Commissioner, Circuit or County Clerk, Justice of the
Peace, or any Court of Record having a seal, or any
Judge, Justice or Clerk of any such court.
Second- When acknowledged in any of the other
States or Territories, or in the District of Columbia, it
may be made in conformity with the laws of the State,
Territory or District where it is made. When such
acknowledgment is made before a Notary Public,
United States Commissioner, Commissioner of deeds,
Mayor of a city, or Clerk of a court, it shall be certified
by such officer under his seal of office. If before a Justice of the Peace, there shall be added a certificate of
the proper Clerk, under the seal of his office, setting
forth that the person before whom such acknowledg
ment was made, was a Justice of the Peace at the time
of making the same.
Acknowledgments of chattel mortgages must be
made before a Justice of the Peace of the town or district wherein the mortgagor resides ; and if the mortgagor is not a resident of this State at the time of
making the acknowledgment, then before any officer
authorized by law to take acknowledgments of deeds.
ASSIGNMENTS . The County Court has jurisdiction
in all cases of assignment for benefit of creditors.
Assignee must file bond, inventory and valuation and
send notice to creditors, by mail, to present claims
under oath, within three months. Claims not so presented, do not participate in dividends until after the
payment in full of all claims properly presented and
allowed. Assignee is required to make equal dividends among creditors at the first term of court after
the three months allowed, and to render a final account
within one year. All preferential assignments are
void, and all debts must be paid pro rata. Debtor may
be subjected to examination touching his estate. No
provision is made for the discharge of the debtor. By
an act going into effect July 1, 1879, all proceedings
may be discontinued upon the assent, in writing, of
the
amount.and a majority of the creditors in number
and debtor
ATTACHMENT. The writ may issue ont of courts of
record on claims exceeding $20, when the debtor is
non-resident; conceals himself, or stands in defiance of
an officer, so that process can not be served on him ;
has departed from this State with the intention of
removing his effects, or if he is about to do so ; where
he has, within two years preceding, fraudulently disposed of his property, or a part thereof, so as to hinder
or delay creditors ; or where the debt sued on was
fraudulently contracted. But the statements or matters which constitute such fraud must be in writing
with the debtor's signature attached by himself, agent
or attorney. Before the writ can issue, the plaintiff,
his agent or attorney, must make affidavit to one or
more of these facts, and give bond, with approved
security, in double the amount of the claim sued on.
Attachment writs may issue out of Justice's Courts , on
the same grounds, on all claims not exceeding $200 ,
and in County Courts the claim must not exceed $ 1.000.
Garnishment process may issue on return of execution
unsatisfied, but the wages of any person who is the
head of a family, to the amount of $50, are exempt
therefrom. Arrest on civil process lies only in case of
fraud, on judgments in tort, or on refusal of debtor to
surrender his estate for benefit of creditors .
COURTS. Terms and Jurisdiction. Circuit Courts
have original jurisdiction of all cases in law and equity
and hold from two to eight terms each year, except
in the County of Cook, which has twelve terms.
Cook County has a Superior Court, with concurrent
jurisdiction with the Circuit Court, and has also a
special Probate Court and a Criminal Court. In all
counties except Cook, County Courts have probate
powers. County Courts and Justice's Courts are of
limited jurisdiction, the former having control only of
cases involving $ 1,000 or less, and the latter of any sum
not exceeding $200.
EXECUTIONS will issue immediately after rendition
of judgment and to any county in the State, but are no
lien on real estate in other counties before a levy is
made. Executions issued out of courts of record are
returnable in ninety days ; on Justice's judgments
seventy days . Real estate cannot be levied upon or
sold by virtue of any execution issued by a Justice of
the Peace. Real estate is, in all cases, sold without
appraisement to the highest bidder; and if the debtor
so elects, his real estate must be exhausted before his
personal property can be seized under execution
issued out of a court of record. No stay law. In appealed cases the court, to which the appeal is taken,
may assess damages not exceeding ten per cent. against
the appellant if he allows the case to go against him by
default or if the court be satisfied that he appealed only
for the purpose of delay.
Real estate sold under execution may be redeemed
by the defendant within twelve months after the sale,
on payment of the amount it was sold for, with eight
per cent. interest and costs. If he fail to redeem
within such time any one of his decree or judgment
creditors may redeem after that and within fifteen
months from the time of the sale .
EXEMPTIONS. To every householder having a family, a homestead, valued at $1,000 ; and such exemption continues to the survivor, after the death of the
husband or wife, so long as he or she occupies it, and
to the children until the youngest is twenty-one years
old. In addition, there is also allowed to every person
necessary wearing apparel, bibles, school books, family pictures , and $ 100 worth of other property selected
by the debtor. If the debtor is the head of a family he
46
COMMERCIAL LAWS.
is allowed $300 worth in addition, to be selected by
him . But such selection cannot be made from any
money or wages due . Of wages there are $50 exempt
to any
one who is the head of a family residing with
the same. No exemption is allowed when the debt is
for the wages of laborer or servant.
INTEREST. Legal rate, six per cent., but special
agreement may be made for eight per cent. Forfeiture
of all interest is penalty for usury. Six per cent. interest is collectible on all instruments in writing after
they become due ; on money lent or advanced for the
use of another ; on money due on settlement of account,
from day of liquidating account and ascertaining balance ; on money received to the use of another, and
retained without the owner's knowledge ; on money
withheld by unreasonable and vexatious delay, and on
judgments.
JUDGMENTS of courts of record are liens on the real
estate of the party against whom they are obtained,
situated in the county where the court is held, for the
period of seven years ; but if execution be not issued
it
within a year after the rendition of the judgment, is
thereafter ceases to be a lien until an execution
court,
of
term
same
the
issued. Judgments rendered at
or on the same day in vacation, stand on the same footing, and neither one has a priority over the other, so
far as liens on the real estate of the defendant are concerned. Judgments of Justices of the Peace can reach
only personal property; and neither a Justice's judgment nor a judgment of a court of record is a lien on
the personal property of the defendant until after an
execution is placed in the hands of an officer. Judg
ment may be revived by scirefacias at any time within
twenty years. A judgment of a Justice of the Peace
may be made a lien on real estate only by filing a transcript thereof in the Circuit Court.
LIMITATION OF SUITS. On unwritten contracts , five
years ; bonds, notes and judgments recovered in foreign
States, ten years ; real actions and judgments in this
State, twenty years. Revivor : Part payment or new
promise,
MARRIED WOMEN . A married woman may sue and
be sued, possess her own earnings, contract and incur
liabilities, purchase, sell and hold personal property,
and own and hold real estate to the same extent as an
unmarried woman. Her husband is not liable for her
debts or torts, except in cases where he would be
jointly liable if the marriage did not exist, or for necessaries. She may not enter into a partnership without
consent of her husband, unless he has abandoned her
orbe incapable of giving assent. No transfer of chattels
between husband and wife is valid as against third
parties, unless such transfer is in writing and is acknowledged and recorded as chattel mortgages are
required to be acknowledged and recorded. A married
woman may make a will as if sole. Both husband and
wife are liable for family expenses. They can not testify for or against each other, except in a few exceptional cases. One may make the other his or her
attorney in fact to control or dispose of his or her
property. The estate of curtesy is abolished, and the
surviving husband or wife is endowed of a third part
of the lands whereof the deceased was seized of an
estate of inheritance at any time during the marriage,
unless relinquished in due form.
MORTGAGES. Mortgages on real estate are executed
and acknowledged the same as deeds, husband or wife
being required to join to bar dower, except in mortgages, to secure purchase money. Under an act in
force July 1, 1879, no real estate within the State shall
be sold by virtue of any power of sale, contained in
any mortgage, trust deed, or other conveyance in the
nature of a mortgage, executed after the taking effect
of said Act; but all such mortgages, trust deeds, or
other conveyances in the nature of a mortgage, shall
only be foreclosed in the manner provided for foreclosing mortgages containing no power of sale ; and no
real estate shall be sold to satisfy any such mortgage,
trust deed or other conveyance in the nature of a mortgage, except in pursuance of a judgment or decree of
court of competent jurisdiction.
CHATTEL MORTGAGES are invalid as to third parties,
if given for longer than two years. Neither is it valid
as to third parties, if the property mortgaged is allowed
to remain in the possession of the mortgagor, unless
the mortgage expresslyprovides that it shall so remain.
If given on a stock of goods, it is fraudulent as to
third parties, if the mortgagor be allowed to remainin
possession and sell in the usual course of trade. The
property must be described so that it may be identified.
A mortgage cannot be given on goods which are to be
sold and delivered in futuro ; and, if possible, it must
be foreclosed within 24 hours after it is due, else other
creditors may step in and take the property. As between the parties, a chattel mortgage is good, if it is
neither acknowledged nor recorded .
NOTES AND BILLS OF EXCHANGE . Upon bills of
exchange drawn or endorsed within this State, and
payable without the United States, duly protested, ten
per cent. damages are collectible, together with interest, costs and charges of protest; and if payable
within the United States, only five per cent. damages,
with interest, costs and charges, can be collected.
Indorsers of a note or bill can not be held liable, unless due diligence has been used, by institution and
prosecution of suit against the maker thereof, unless
such suit would have been unavailing, or the maker be
out of the State at the time such note or bill became
due . In order to hold a guarantor, suit against the
maker is not necessary. Notes obtained by fraud or
circumvention cannot be collected, even by an innocent holder. If any one become the owner of a note,
or any other instrument in writing, after it is due, the
maker thereof can interpose the same defense as
against him, that he might have set up as against the
original holder. No notice of non-payment or protest
is necessary in order to fix the liability of endorsers.
Grace is not allowed on instruments payable at sight,
on demand, or on presentation .
SUITS. All , except local actions, are brought in the
county where defendant resides or is found ; and where
there are several defendants, suit may be brought
where one resides, and process issued to any other
County for the other defendant; but no judgment will
be rendered against such other defendant unless
plaintiff succeeds in getting judgment against the one
who resides or is found in the county where suit is
brought. Non-resident plaintiffs must give bonds for
costs. Process must be served ten days before the
commencement of return term, and judgment by
default may be rendered on the third day of the term.
In Justice's Courts summons is returnable in not less
than five, nor more than fifteen days, and must be
served at least three days before the return day.
TAXES. State and County taxes are payable after
December 1 , and the delinquent list is turned over to
the County Collector on or about March 10, following.
Advertisements of property, on which taxes remain
unpaid, are made after April 1 , and judgment obtained
at May term of County Court. Sales commence on
the fourth Monday after the fourth day of the term at
which judgment is rendered. Redemption may be
made within two years . Penalty is : Within six
months, 25 per cent. interest ; twelve months, 50 per
cent. interest; eighteen months , 75 per cent. interest;
two years, 100 per cent. interest ; together with all
subsequent taxes paid by purchaser, and all costs.
INDIANA.
ACKNOWLEDGMENTS. All conveyances of land must
be in writing, and acknowledged and recorded within
forty-five days from their execution. Within the State
acknowledgments may be taken before a Judge or Clerk
of a court of record, Justice of the Peace, Auditor, Recorder, Notary Public or Mayor of a city, and in other
States and Territories before the like officers, or a Commissioner of Deeds for Indiana. In any foreign country, before a Minister, charge d'affaires or Consul ofthe
United States. Husband must join in deeds to wife's
lands, and wife in deeds to husband's lands .
ASSIGNMENT FOR BENEFIT OF CREDITORS. Any
debtor in embarrassed or failing circumstances, may
make a general assignment of all property in trust for
benefit of all bona fide creditors. To be valid this must
be by indenture duly signed and acknowledged, and
filed with the Recorder of the county in which assignor
resides, for record within ten days after the execution
thereof. Indenture to contain full description of real
estate and be accompanied by schedule of personal
property, and assignor to make oaththat the indenture
and schedule contains a full statement of all his property, etc. Trustee makes oath and files bond in Círcuit
Court and must file copy of assignment, etc., in office of
clerk of that court within fifteen days after execution
of indenture. Trustee named failing to act, court may
appoint a substitute upon petition. The trustee to
make under oath complete inventory of all property
coming to his hands, and file in court within thirty
days after entering upon his trust ; also, cause same to
be appraised by two reputable householders ; set off to
the assignor, if a resident householder, such property
COMMERCIAL LAWS.
as he may select to the value of six hundred dollars ;
and proceedto collect the rights and credits, and to sell
the property, after giving thirty days' notice of time and
place, at public auction, or at private sale, for cash, or
upon credit, not exceeding two years, subject to approval ofthe court as to such sales . Dividends are declared pro rata upon all claims allowed by trustee or
the court. Trustee's compensation to be fixed by the
court. No provision for discharge of debtor from his
liabilities.
ATTACHMENT may issue against the property of nonresidents or foreign corporations, and against all who
have disposed of, or are about to dispose of their property, to cheat, hinder or delay creditors . An affidavit
is required, which may be made by the creditor or some
one on his behalf, and a bond to answer damages if the
proceedings are wrongful or oppressive. All creditors
who file under the original attachment, before final
judgment, share pro rata in the proceeds of the
attached property. Defendant, in a civil action may
be arrested and held to bail in double the amount of
debt or damages claimed, at any time before judgment,
on affidavit showing that he is about to leave the
State, taking with him property subject to execution, or money, with intent to defraud the plaintiff.
The wages of a person, not exceeding one month , are
exempt from garnishment or proceedings supplemental
to execution, so long as such person remains in such
employment. It is a misdemeanor to send claims out of
the State to be collected by proceedings in attachment,
garnishment, or the like, when creditor, debtor, and
person owing for earnings intended to be reached
are all within the jurisdiction of the courts of this
State. Courts of this State are prohibited from taking
jurisdiction of such proceedings to reach wages , when
plaintiff and principal defendant are non-residents .
COURTS. Terms and Jurisdiction. The Circuit Court
is the only court of original general civil jurisdiction
in the State, and has full probate powers. From three
to four terms are held annually in each county. Superior Courts, with concurrent jurisdiction with the
Circuit Courts in all civil cases except probate matters ,
have been established in Marion, Tippecanoe, Allen,
Cass, and Vanderberg counties, and hold from four to
ten terms each year. City Courts (which may be established in all cities having over 6,000 population)
have concurrent jurisdiction with Circuit Courts up to
$1,500, except in probate matters, suits for libel, slander, or divorce, or where title to real estate is at issue.
Justice's jurisdiction, $200.
EXECUTIONS may issue at any time within ten years
after judgment rendered, and are returnable in 180
days. From a court of record may issue to any county
in the State. Are a lien on personal property within
the county from the time they are placed in hands of
officer. After judgment is rendered, the debtor may,
by giving sufficient freehold sureties, have a stay of
execution on any sum exceeding $75, for six months.
Where the sum is less than $75, the stay is not so long.
Lands sold under execution may be redeemed within
one year by the owner, mortgagee or person having a
lien thereon the owner retaining possession during
the redemption year and being liable for reasonable
rents and profits in case of failure to redeem.
EXEMPTIONS. There is no homestead law. Real or
personal property up to $600 is exempt where debtor is
a resident householder.
INTEREST. The recent " Act concerning interest and
usury," approved March 10, 1879, made considerable
changes in the law, which are herein embodied. The
legal rate of interest on loans or forbearance of money,
goods or things in action, is six per cent. as heretofore,
but interest may be taken yearly or for a shorter period
in advance. No agreement to pay a higher rate is valid
unless the same be in writing, and in such case it is
not lawful to contract for more than eight per cent. per
annum. When a greater rate is contracted for, the contract is void as to the usurious interest, and in an action
on a contract affected by such usury, whether it be
directly or indirectly charged, all excess over six per
cent. is usurious and illegal, and the excess over the
legal interest may be recouped by the debtor whenever
it has been reserved or paid before the bringing of the
suit. Interest on judgments rendered after March 10,
1879, runs from the date of the verdict or finding, at the
rate specified in the original contract, not exceeding six
per cent., and if no contract has been made, six per
cent. is allowed. The act applies to all contracts made
within the State, although they are to be performed
without it, and where contracts made out of this State
provide for a higher rate of interest, and are secured by
mortgage upon lands within it, such lands are not
liable for a higher rate than is allowed by the laws of
Indiana.
47
JUDGMENTS of courts of record are a lien upon all
real estate of defendant within the county for ten
years. Judgment may be obtained at the first term of
the court, after process has been served on debtor ten
days prior to the first day thereof. By law of 1877,
plaintiff, by indorsement on complaint, can summons
the defendant to appear and answer after service had
ten days, and in default can take judgment, where no
good cause of defense is shown, and it operates as a
lien upon the real estate of the judgment debtor
situated in the county.
LIMITATIONS TO SUITS. Open accounts and contracts
not in writing, six years ; actions not limited by statute, fifteen years ; written contracts, judgments_of
courts of record and real actions, twenty years . Revivor: Part payment or new promise in writing.
MARRIED WOMEN retain their real and personal
property owned by them at time of marriage or acquired during coverture. The husband is liable forthe
debts of his wife contracted before marriage to the extent of the personal property he may receive from or
through her, or derive from sale or rent of her lands,
and no further, and her lands are liable for such indebtedness . A married woman can not incumber her separate lands as security for indebtedness of her husband
or other person . She may devise by will her separate
estate; may sell and transfer her separate personal
property; carry on any business, labor, or service, and
receive the earnings accruing therefrom; enter into any
contract in regard to her separate personal estate,
business, labor or service, and her separate estate, real
and personal, be liable therefor, the same as afeme sole;
and her husband is not liable for such debts , uor for
indebtedness created by the wife for improvement of
herseparate real estate. She can make leases of real
estate for terms of three years or less, and execute
mortgages to secure purchase money, without husband
joining. Is bound by covenants of title in conveyances
of her separate real estate. May sue as a feme sole
for any damage to her person or character. Is entitled
to hold as exempt from execution her wearing apparel,
articles of personal adornment purchased by herself to
the amount of $200 in value, all jewelry, ornaments ,
books, etc., which may have been given her as presents; and other property to the amount of $300, except
as against indebtedness for the purchase money therefor. No tenancy by the curtesy or dower. A widow
takes one-third of her deceased husband's real estate
in fee, free from all demands of creditors, where the
estate does not exceed $10,000 ; one-fourth, if under
$20,000, and one-fifth, if above that amount. She also
takes one-third of personalty after payment of debts,
and in all cases takes $500 without accounting, and
may occupy the dwelling and forty acres of land for a
year, rent free.
NOTES AND BILLS OF EXCHANGE. Three days of
grace are allowed on all bills of exchange payable within the State, whether sight or time bills. Damages
for protest on bills upon any person at any place out of
this State but within the United States, five per cent.:
on bills drawn upon any person at any place without
the United States, ten per cent. Promissory
notes payable to order or bearer at a bank
in this State, and bills of exchange, are governed bythe
law merchant. Promissory notes not payable at a bank
are subject to any set-off maker may have against payee,
or any subsequent holder, accruing before notice of assignment. On these, maker must be exhausted before
indorser can be sued. Protest is not necessary to hold
indorsers of such notes, but to hold them maker must
be
at first term of court after maturity, unless it
cansued
be shown
that he was insolvent at the time of such
maturity .
SUITS. No distinction between law and equity. Civil
actions are commenced by filing complaint with Clerk
of court, and every action must be prosecuted in the
name of the real party in interest, except suits by executors, administrators, guardians of idiots or lunatics,
trustees of express trusts, or person expressly authorized by statute.
TAXES. State, county, township, municipal, school
and road taxes attach as a lien on real estate, on April
1 of each year, and penalties attach on third Monday
of same month in the next year. Sales of real estate for taxes are held on the second Monday of February, and all lands on which taxes are delinquent for
two years are offered. Owner has two years in which
to redeem, by paying the amount set forth in the certificate of purchase, with all subsequent taxes paid, and
fifteen to forty per cent. upon the whole sum,with legal
interest from the date of purchase or payment. Lands
are sold for one year's delinquency, but the following
year's tax (notyet delinquent) is embraced in the amount
sold for.
48
COMMERCIAL LAWS.
IOWA.
ACKNOWLEDGMENTS of deeds to land made within | party taking such stay, if he has been personally served
the State, before some Court having a seal, or Judge with process, shall not afterward be allowed to appeal.
or Clerk thereof, or some Justice of the Peace, or If the judgment is not fully paid at the expiration of
Notary Public, in the United States or Territories, must the stay, judgment is entered against the surety, and
be made before some court of record, or officer hold- execution may be issued forthwith. After stay, judging the seal thereof, or by a Commissioner of Deeds , ment draws ten per cent. interest by operation of law.
appointed by the Governor of the State, Notary Public,
There can be no stay for wages due mechanic or laboror Justice of the Peace ; in the case of the latter official, ing man, nor by a surety on stay bond. Defendant may
his authority to take the acknowledgment should be redeem real property sold under execution at any time
certified to by a Clerk of a court of record , under seal within twelve months, meantime remaining in possesof the court, as also his official character, and the sion of the property, but where he has taken an appeal
genuineness of his signature. In foreign countries or stay of execution he can not redeem. During the
deeds may be acknowledged before any officer author- first six months he has exclusive right of redemption,
ized by the laws of such country to certify to acknowl- but after that time, and before the expiration of nine
edgments , or any Ambassador, Minister, Consular Agent, months, any creditor having a lien can redeem .
EXEMPTIONS. Homestead of 40 acres in country and
or other officer of the United States properly authorized to receive acknowledgments of deeds, but the cer- half an acre in city or town, with buildings without
regard to value. Personal property exempt includes
tificate of acknowledgment by a foreign officer must
be authenticated by one of the above named officers
tools, instruments, library, necessary team, etc., of
mechanic, farmer, teacher, or professional man; wearof the United States , by his official written statement
that full faith and credit is due to the certificate of such
, $200 ;
ing apparel, household and kitchen furnituremonths
.
certain farm animals and necessary food for six
foreign officer: Witnesses are not required .
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
Foregoing relates only to residents, being heads of
families; unmarried persons and non-residents being
Assignments not valid unless for benefit of all creditors,
only entitled to retain their own clothing and trunks .
when assent of creditors is presumed. Debtor must
Where debtor is a printer, the printing press and types,
furnish sworn inventory and list of creditors ; and the
furniture and material up to $1,200 are exempt. Earnassignment, which vests in the assignee title to all
property of the debtor, must be recorded . Assignee ings of debtor within 90 days of levy are exempt.
INTEREST. Legal rate, six per cent.; parties may
must give bonds, prepare an inventory and valuation,
and notify creditors by mail to file claims within three contract, in writing, for ten per cent. Judgments draw
months. Claims objected to may be passed upon by a six per cent., or if a higher rate not exceeding ten per
jury, and the assignee in is all respects subject to order cent. is expressed in the original contract, then such
of court, and renders a final account thereto . An as- higher rate. Open accounts draw six per cent. after
six months from date of last item. Contract for more
signment does not discharge the debtor from his debts
and liabilities, but only entitles creditors to share than ten per cent. forfeits ten per cent. on amount of
equally in his estate. All claims filed must be sworn to, contract, and all interest and costs.
and claims not filed within three months from the date
JUDGMENTS in the District and Circuit Courts may
of the first publication will not be paid until claims filed be obtained at first term after suit commenced, if undewithin that time have been paid in full. The assign- fended, and are liens on real estate owned by the
ment is docketed as a case in court.
debtor at the time of such rendition . If the lands lie
ATTACHMENT process will issue against all property in the county where judgment was rendered, the lien
not exempt from execution on filing of a sworn peti- attaches from its date ; if in any other county, from
tion, alleging, 1st, that the defendant is a foreign cor- the time of filing therein an attested copy of the judgporation, or acting as such; or 2d, that he is a non- ment. Lien also covers all lands which defendant may
resident of the State ; or 3d, that he is about to remove acquire within ten years from date of judgment.
LIMITATIONS TO SUITS . Actions for injuries to perhis property out of the State, without leaving sufficient
remaining for the payment of his debts; or 4th, that son or reputation, or to recover a statutory penalty,
he has disposed of, or is about to dispose of, his prop- must be brought within two years ; to enforce a meerty (in whole or in part) with intent to defraud his
chanics' lien, two years ; on unwritten contracts, five
creditors ; 5th, that the defendant is about to dispose years ; on written contracts, ten years ; on judgments
of his property with intent to defraud his creditors ; of courts of record, twenty years ; to recover real es6th, that he has absconded so that ordinary process tate, ten years. Revivor : Admission of debt or new
promise to pay, which must be in writing.
can not be served upon him ; 7th, that he is about to
MARRIED WOMEN may own in their own right real
remove permanently out of the county and has property therein not exempt from execution, and that he and personal property acquired by descent, gift or purrefuses to pay or secure the plaintiff; 8th, that he is chase, and may manage, sell, convey and devise the
about to remove permanently out of the State, and same by will in the same manner as the husband can
refuses to pay or secure the debt due the plaintiff ; 9th, property belonging to him. Neither husband nor wife is
that he is about to remove his property, or a part liable for the debts or liabilities of the other incurred
thereof, out of the county, with intent to defraud his
before marriage, and, except as herein otherwise declared, they are not liable for the separate debts of the
creditors; 10th, that he is about to convert his property,
or a part thereof, into money, for the purpose of plac- other, nor are the wages, earnings or property of either,
ing it beyond the reach of his creditors ; 11th, that he nor the rent or income of such property, liable for the
has property or rights in action which he conceals :
separate debts of the other. Contracts may be made
12th, that the debt is due for property obtained under by a wife and liabilities incurred, and the same enforced
false pretenses. Attachment may be brought before by or against her, to the same extent and in the same
the debt is due when the 4th, 5th, 7th or 12th of the manner as if she was unmarried. But both are liable
above causes can be alleged under oath. The first at- for the expenses of the family,and the education of the
tachment levied becomes the first lien , and there is no children, whether contracted for by one or the other.
pro-rating. The penalty on an attachment bond is
They may be sued jointly or separately therefor. Dower
three times the amount of debt. No person may be and the estate of curtesy are abolished, but the surimprisoned for debt in any civil action on mesne or viving wife or husband takes one- third in value of all
final process, except in case of fraud.
the legal and equitable estate possessed by the other
COURTS. Terms and Jurisdiction . District Courts
during marriage.
MORTGAGES must be subscribed by the parties and
have exclusive jurisdiction of criminal matters; the
Circuit Courts of probate matters. Both have original acknowledged and recorded same as deeds. Are foreand general jurisdiction of civil causes in law and
closed by civil action. Mortgagor has one year in which
equity. Two terms of each court are held annually in to redeem. Chattel mortgages to be valid against exeach county (three or four of the Circuit Court in some isting creditors or subsequent purchasers without noofthe more populous counties). Justice's jurisdiction,
tice must be recorded immediately in the county where
$100, or by consent of parties, $300. No appeal from a the holder of the property resides. A chattel mortgage
Justice unless amount exceeds $25.
may include all kinds of personal property,and the crediEXECUTIONS may issue immediately upon the rendi- tormay enter into possession of the mortgaged property
tion of the judgment, and are returnable in seventy at any time after the execution of the instrument.
NOTES AND BILLS OF EXCHANGE. Grace is allowed
days from the date of issue. On the judgment debtor
entering good and sufficient security on the proper upon all negotiable bills or notes payable within the
court records for the amount of such judgment, interState according to the law merchant, and notice of nonest and costs-accrued and to accrue he can have a
acceptance, or non-payment, or both, is required according to the rules of commercial law. Damages alstay of execution as follows: under $100 three months,
above that sum, six months. Stay must be taken within lowed on protested paper ; three to five per cent. To
hold indorser note must be duly presented, payment reten days from the date of entry of judgment, and the
COMMERCIAL LAWS.
fused, and indorser notified. Open accounts are assignable. Paper falling due on Sunday, 1st day of January, 30th of May, 4th of July, the 25th day of December,
and any day appointed by the Governor or by the Presi
dent as a day of fasting or thanksgiving, shall be considered and treated as falling due on the preceding day.
SUITS. But one form of action in this State, known
as a civil action and regulated by a Code of Procedure.
Actions are commenced by serving defendant with notice, stating generally the nature of the claim, and filing
a petition in court, ten days before the term. Actions
generally are prosecuted in the name of the real party
in interest, and in the county where defendant resides,
or property in question is situated, or cause of action
arose. Process must be served in Justice's Courts on
debtor at least five and not more than fifteen days, and
in the District and Circuit Courts at least ten days, be-
49
fore the first day of term. It defendant is served outside of his county, but inside of judicial district,
process must be served fifteen days - elsewhere there
must be twenty days ' service for every 1,000 miles or
fraction. Service short for first term is good for next term.
TAXES become due and payable on second Monday in
November, and delinquent on February 1st following.
If not paid before March 1, penalty of one per cent. per
month is added for first three months, two
per cent. per month for next three months, and
three per cent. per month thereafter. Lands are sold
on first Monday in October after taxes become delinquent. Three years are allowed in which to redeem by
payment of amount for which lands were sold, twenty
per cent. penalty, and ten per cent. per annum upon
the whole amount.
KANSAS.
ACKNOWLEDGMENTS within the State must ber made
before a Judge or Clerk of a court having a seal, a Justice of the Peace, Notary Public, County Clerk, Register of Deeds, or Mayor or Clerk of an incorporated
city. In cases where the acknowledgment is made out
of the State it must be made before a court of record, a
Clerk, or other officer having the seal thereof, a Commissioner of Deeds for Kansas , Justice of the Peace or
Notary Public, or before any Consul of the United
States, resident in any foreign country or port. When
the acknowledgment is made before a Justice of the
Peace, some Clerk of a court of record must certify to
his official position.
ASSIGNMENTS AND INSOLVENCY. Assignments must
be for benefit of all creditors, and do not discharge the
debtor. Must be executed and recorded like conveyances of real property. Creditors (above ten dollars)
are notified by Clerk of District Court, and at the meeting held for choice of assignee, a majority of such creditors must be present, otherwise appointment rests
with the court. Creditors who fail to appear are precluded. Assignee must pay out funds in his hands
within one month of allowance of demands. Property
must be appraised, and assignee is in all respects subject to order of court, and his accounts are passed upon
by a Commissioner before his discharge.
ATTACHMENT. The creditor in a civil action for the
recovery of money may, at or after the commencement
thereo , have an attachment against the property of
the debtor, where the debtor or one of several debtors
is a foreign corporation or non- resident of the State,
(but no attachment shall be granted on the ground or
grounds in this clause stated, for any claim other than
a debt or demand arising upon contract, judgment or
decree, unless the cause of action arose wholly within
the limits of this State, which fact must be established
on the trial), or where the debtor or one of several
debtors has absconded with intent to defraud his creditors; or has left the county of his residence to avoid
the service of a summons ; or so conceals himself that
a summons can not be served upon him ; or is about to
remove his property or a part thereof out of the jurisdiction of the court, with intent to defraud his creditors ; or is about to convert his property or a part thereof into money, for the purpose of placing it beyond
the reach of his creditors ; or has property or rights in
action which he conceals ; or has assigned, removed or
disposed of, or is about to dispose of his property or a
part thereof, with the intent to defraud, hinder or delay
his creditors ; or fraudulently contracted the debt, or
fraudulently incurred the liability or obligation, for
which suit is about to be or has been brought ; or when
the damages for which the action is brought are for
the injuries arising from the commission of some felony
or misdemeanor, or the seduction of some female ; or
when the debtor has failed to pay for any article or
thing delivered, for which by contract he was bound to
pay on delivery.
Garnishment. When the plaintiff, his agent or attorney, shall make oath in writing that any person or
corporation has property ofthe defendant, or is indebted to him, a garuishment summons may issue to such
person, and copy of order of attachment with notice
that he appear and answer. When suit is brought before a Justice of the Peace, if affidavit is made that any
person or corporation is indebted to defendant, or has
property belonging to him and that plaintiff is likely
to lose his claim unless garnishee summons issue, the
Justice of the Peace will issue such summons at the
commencement of the suit.
CONTRACTS. All contracts which, by the common
law are joint only, shall be construed to be joint and
several. Any person jointly or severally liable with
4
others for the payment of any debt, may be released
from such liability by the creditor, and such release
shall not discharge the other debtors beyond the proper
proportion of the debt for which the person released
was liable. The use of private seals in written contracts (except seals of corporations) is abolished.
CONVEYANCES. All instruments of writing for the
conveyance or incumbrance of real estate within this
State, executed and acknowledged, or proved in any
other State, territory, or country, in conformity with
the laws of such State, territory, or country, or in conformity with the laws of this State, shall be as valid as
if executed within the State .
COURTS. Terms and Jurisdiction. District Courts ,
holding two to three terms a year in nearly every
county, have general original jurisdiction in law and
equity. Regular terms of the Probate Court are held in
each county on the first Monday in January, April , July
and October, and special or adjourned terms may be
held as business may require. Justice's jurisdiction
in civil actions for the recovery of money, $300 ; to recover specific personal property, $ 100.
EXECUTIONS may be ordered as soon as judgment is
obtained. It is the duty of the Justice, without any
order, to issue execution within ten days from rendition of judgment. Executions are made returnable
within thirty days. Personal property levied on must
be appraised, and advertised for ten days, and sold at
auction to the highest bidder. There is no stay of execution in the District Court, except where a case is
taken to the Supreme Court on appeal. In Justice's
Courts, by filing bond, stays of execution are granted as
follows : On any judgment for $20 and under, thirty
days ; over $20 and under $ 50, sixty days ; over $50 and
not exceeding $ 100, ninety days ; over $ 100, one hundred
and twenty days. There is no redemption of land sold
under execution or other legal process in this State.
EXEMPTIONS. Homestead of 160 acres of farming
land, or of one acre within an incorporated town or
city, with buildings thereon, unlimited in value.
Every person residing in this State, and being the
head of a family, shall have exempt from seizure upon
attachment or execution , or other process issued from
any court in this State: Family Bible, school books ,
and family library; family pictures and musical instruments used by the family; all wearing apparel of the
family, all beds, bedsteads and bedding used by the
debtor and his family, one cooking stove and appendages, and all other cooking utensils, and all other
stoves and appendages necessary for the use of the
debtor and his family; one sewing machine , spinning
wheel, and all other implements of industry, and all
other household furniture not herein enumerated, not
exceeding $500, two cows, ten hogs, one yoke of oxen
and one horse or mule, or in lieu of one yoke of oxen
and one horse or mule, a span of horses or mules, and
twenty sheep and their wool ; necessary food for the
support of such stock for one year ; one wagon, two
plows, drag, and other farming utensils, not exceeding
$300; grain, meat, vegetables, groceries, etc., for the
family for one year; the tools and implements of any
mechanic, miner, or other person, kept for the purpose
of carrying on his business, and in addition thereto
stock in trade not exceeding $400 in value; library, implements, and office furniture of any professional man .
A lien on the homestead may be created by husband
and wife joining in the mortgage. Residents, not the
head of a family, have tools, implements, and stock in
trade up to $400, exempt from execution.
INTEREST. Legal rate, seven per cent. , but twelve
per cent. may be agreed upon. Excess of twelve
per cent. is forfeited, but there is no penalty for
usury.
50
COMMERCIAL LAWS.
JUDGMENTS of courts of record are liens on real
estate of debtor within the county, but lose their priority over subsequent judgments unless execution is
issued and levied within one year after judgment.
The lien can be extended to other counties by filing
certified copies of judgment. Lien continues for five
years, and may be revived. Justices' judgments become liens on filing transcript in District Court of the
county in which they were rendered .
LIMITATIONS OF SUITS . Actions concerning real property must be brought within fifteen years ; on official
bonds and contracts in writing, five years ; contracts not
in writing, three years ; trespass, detinue, replevin,
and for relief on the ground of fraud, two years. Revivor: Part payment, or written acknowledgment or
promise.
MARRIED WOMEN have same rights as men concerning property and business, and may carry on trade, sue
and be sued, and sell or convey their real estate, precisely as their husbands can. The estates of dower and
curtesy have been abolished. Homestead is absolute
property of widow and children, and widow takes in
fee simple one-half of all other real estate owned by
the husband during coverture, unless she joined in the
conveyance thereof.
MORTGAGES and conveyances of real estate, to be valid
against subsequent bona fide purchasers, must be duly
acknowledged and recorded within the county. Are
foreclosed by suit only, in which all parties in interest
are made parties defendant. Chattel mortgages are
absolutely void as against creditors and subsequent
purchasers and mortgagees in good faith, unless possession of the property actually passes to and remains
in the mortgagee, or the instrument be forthwith filed
of record. Such mortgages expire within one year, as
to creditors or purchasers, unless renewed by affidavit.
showing interest, filed during the last thirty days of
the year.
NOTES AND BILLS OF EXCHANGE . All bonds, notes
and bills of exchange, except bank checks and sight
drafts, made negotiable, shall be entitled to three days
of grace in the time of payment. All bonds, notes ,
and bills of exchange, foreign and inland, drawn for
any sum or sums of money, certain , and made payable
to any person or order, or to any person or bearer, shall
be negotiable by indorsement thereon if payable to
order, and by delivery if payable to bearer, so as to
absolutely transfer and vest the property thereof in
each and every indorsee or holder, successively; but
nothing in this section shall be construed to make
negotiable any such bond, note, or bill of exchange,
drawn payable to any person or persons alone, and not
drawn payable to any order, bearer or assigns. [ See
General Statutes, 1868].
By the laws of 1875 it was provided that no person or
persons, bank or body corporate, residing or doing business within the limits of this State, can be held liable
for protest damages on any bond, note or bill protested heretofore or hereafter for non-acceptance or nonpayment. Whenever the third day of grace falls
upon a Sunday, July 4, December 25, or January 1 ,
or upon any day appointed for a public Fast or Thanksgiving, the next preceding day is the last day of
grace.
SUITS are commenced in the District Courts by filing
a petition and precipe, and causing a summons to issue
thereon. Actions concerning real estate must be
brought in the county in which the land or a part
of it is situated, and all other actions in the county in which defendant resides or may be summoned, except where defendant is non-resident or a
foreign corporation, when action may be brought in
any county where defendant has property.
TAXES . One-half the annual levy becomes due Dec.
20, and if not paid all becomes due and there is a penalty of five per cent. added . If not paid by March 20
another five per cent. is added, and on June 20 still
another five per cent. The tax is then delinquent, and
property is subject to sale on the first Tuesday in
September following. After sale it bears interest at
the rate of twenty-four per cent. per annum, and the
same rate on all subsequent taxes. Lien attaches on
November 1 in the year in which tax is levied, and
lands sold for taxes are redeemable within three years
from day of sale.
KENTUCKY.
ACKNOWLEDGMENTS. Deeds executed out of the
United States by persons other than married women
may be certified by any Foreign Minister or Consul, or
Secretary of Legation of the United States, or by the
Secretary of Foreign Affairs, certified under his seal of
office or by the Judge of a superior court of the nation
where the deed shall be executed, to have been acknowledged or proved by him as required by law (Gen.
Stat., Chap. 24, Sec. 17) . Deeds executed out of this
State and within the United States by persons other
than married woman, may be certified under his seal
of office. by the Clerk of a court, his deputy, or a
Notary Public, Mayor of a city, or Secretary of State, or
Commissioner to take acknowledgments of deeds, or by
a Judge under the seal of his court, to have been
acknowledged or proved before him in the manner
hereby required (Ibid, Sec . 16). Deeds executed in this
State by others than married women, may be acknowledged before a Clerk of a County Court, or may be
proved by two subscribing witnesses, or by one who
also proves the attestation of the other, or by proof of
two witnesses that the subscribing witnesses are both
dead or out of this State, or one so absent and the other
dead, and like proof of the signature of one witness
and the grantor. Deeds of married women executed in
this State must be acknowledged before a Clerk of the
County Court, who shall explain to her the contents
and effect of the deed separately and apart from her
husband, and if she freely and voluntarily acknowledge
the same, and is willing for it to be recorded, he shall
certify the deed, stating the acknowledgment when it
was acknowledged, but need not state privy examination, etc. A deed of a married woman, to be effectual,
shall be acknowledged before some of the officers
named above when made out of this State, who shall
explain to her the contents and effect of the instrument
separately and apart from her husband, and if she
freely and voluntarily acknowledge the same, and is
willing for it to be recorded, he shall so certify.
ASSIGNMENTS AND INSOLVENCY. There is no provision
for the discharge of an insolvent debtor unless debts are
paid in full. A general assignment for benefit of all
creditors may be made and claims are proven, as in the
case of a decedent's estate. Trustee must give bonds
and settle his account in two years.
ATTACHMENT issues where defendant is non-resident
or a foreign corporation, or has been absent four
months from the State, evades service, conceals, attempts to remove, disposes of, or conveys property with
intent to defraud or delay creditors, or in an action by
vendor of property fraudulently purchased to vacate
the sale and have restoration of the property. But an
attachment will not be granted on the first two grounds
except on actions to recover a debt or demand arising
upon contract. Bond and security must be given.
Garnishment process will issue on return of an execution unsatisfied, or at the commencement of an attachment suit, and any persons indebted to defendant may
be made parties thereto. An order or arrest may be
issued by the Clerk of the Court in which the action is
brought or pending, when an affidavit is filed showing
the amount, nature and justness of the demand, and
that the debtor is about to depart from the State with
intent to defraud his creditors, has concealed or moved
his property, or a material part thereof, from the estate,
or that he has money, or securities for money, or evidences of debt in his possession , or that of others for his
use, and is about to depart from the State without leaving sufficient property to pay plaintiff's claim. Bond
must be given by plaintiff in double the amount of his
claim, to cover the damages to the defendant, if the
order was wrongfully procured. Defendant, when taken
under order of arrest, will be confined in jail until he
gives bail or is discharged under insolvent laws.
COURTS . Terms and Jurisdiction . Circuit Courts are
held twice a year in nearly every county; and in Jefferson county ( Louisville) continuously, except July and
August. Have original jurisdiction in all civil cases,
both in law and equity. But in several counties
Common Pleas Courts have been established with similar common law jurisdiction, and in Kenton, Campbell,
Bracken and Pendleton counties there are Chancery
Courts with exclusive equitable jurisdiction. Jefferson
county has a Court of Common Pleas and a Chancery
Court, with jurisdiction in the city of Louisville and
county of Jefferson . County Courts in each county
deal with probate and guardianship matters . Quarterly Courts have jurisdiction up to $200, and Justice's
Courts up to $100; Justices of the Peace in Jefferson
county up to $100, exclusive of interest and costs. The
COMMERCIAL LAWS.
Appellate Court has no original jurisdiction. All cases
may be appealed where the amount in controversy is
$100 or more.
EXECUTIONS issue from courts of Justices of the
Peace and County Courts in five days ; Circuit Courts,
ten days ; Louisville Chancery Court, fifteen days ; returnable not under thirty nor over ninety days from
date, and are liens only after delivery to proper officer.
At any time before levy is made, debtor can execute a
replevin bond with good security,payable to the creditor, which acts as a stay for three months . Real estate
sold under execution for less than two-thirds its appraised value may be redeemed within twelve months
by payment to purchaser of original purchase money and
ten per cent. per annum interest thereon.
EXEMPTIONS. No exemptions allowed except to bona
fide housekeepers, with a family; in favor of such there
is exempt from execution and attachment for debt : a
homestead of the value of $1,000 ; specific articles of
household furniture ; live stock, provisions and provender, agricultural and domestic implements, libraries and
instruments of professional men ; which may vary in
value from one to seven hundred dollars ; the wages of
a laboring man to the extent of $50, except for house
rent and family supplies, $200 in stock and materials to
mechanics who are housekeepers and have families.
These exemption laws are of different dates . Exemption continues after death of debtor, for widow and infant children, if any.
INTEREST. The legal rate of interest in this State is
six per cent., and no contract may be made at any
greater rate. [ See Act of March 14th, 1878, in force
April 1, 1878.] The penalty for usury is forfeiture of
all interest in excess of the legal rate. Six per cent. is
allowed upon judgments rendered, and judgments upon
written contracts bear the same rate of interest provided for in the contract, not exceeding the legal rate
as fixed by the above law. Interest at the legal rate
may be recovered upon open accounts by proper pleading of the maturity of debt and the default of the defendant. Prior to the adoption of the law quoted
above it was allowable to contract for a rate not exceeding eight per cent. per annum.
JUDGMENTS are not a lien upon the estate of the defendant. Executions may issue upon them at any time
within fifteen years, and every time they are issued act
as a revival of judgment.
LIMITATIONS OF SUITS . Actions upon contracts in
writing, promissory notes, official bonds, or upon a
judgment or decree of any court, must be brought
within fifteen years, the time dating from the last issue
51
of execution ; also all actions for the recovery of real
estate ; and no disability whatever can extend the time
longer than thirty years. Actions upon conratct, express or implied, not in writing, for trespass on real or
personal property, on bills of exchange, drafts, or upon
a promissory note placed on the footing of a bill of
exchange, upon accounts between merchants or their
agents, or for relief upon the ground of fraud, must be
brought within five years . Actions upon merchants'
accounts for goods sold to consumers shall be brought
in two years, the time to be computed from the first
day of January next after the goods are sold and
charged. Revivor : New promise, or recognition of
debt as an existing liability after bar.
MARRIED WOMEN hold their separate estate free from
the control or liability for debts of the husband Upon
joint petition of husband and wife, Circuit Court may
empower the wife to trade as a feme sole. Widow
takes dower in one-third for life of all real estate, unless
dower be barred, forfeited or relinquished . Married
women may dispose of their separate estate by deed or
devise.
MORTGAGES must be executed and acknowledged
same as deeds, but contain a clause of defeasance.
Wife must join to bar dower. Mortgages can only be
foreclosed by decree of court of equity. Chattel mortgages must be recorded, and, except as to creditors
having actual notice, take effect only from the time
they are lodged for record in the County Clerk's office.
NOTES AND BILLS OF EXCHANGE. Three days of
grace are allowed on bills of exchange drawn payable
at or after sight, or on time. No damages are allowed
on any bills of exchange, upon protest, except ten per
cent. per annum on bills drawn upon persons out of
the United States , but not longer than eighteen months.
SUITS. Civil actions are commenced by filing a petition with the Clerk of the proper court and causing a
summons to issue thereon. Non-resident plaintiffs
must give bond for costs. In ordinary proceedings
summons must be served ten days before commencement of the term. Parties sending claims to Kentucky
for collection should give full names and residence of
plaintiffs.
TAXES are due on June 1st of each year, and five per
cent. penalty is added after April 1st following. Sheriff
may levy on personalty, and if there be no personalty,
then (after Nov. 1) on real estate. Owner may redeem
within two years on payment of purchase money with
interest at the rate of six per cent. per annum and
costs.
LOUISIANA.
ACKNOWLEDGMENTS of deeds executed within the
State may be made before a Notary Public, Parish Recorder or his deputy, in the presence of two witnesses.
In other States, before a Commissioner of Louisiana, or
any officer authorized to take depositions in the
State where he resides , but the official character of
such officer must be properly verified. A Louisiana
Commissioner may certify to the official position of
any public officer in the State for which he is appointed.
ASSIGNMENTS AND INSOLVENCY. Under the State
laws insolvent debtor may make surrender of property
to creditors, or an involuntary surrender may be forced
by any creditor who shall have issued an execution
which is returned unsatisfied . Surrender vests all
property of debtor in creditors, and stops all legal proceedings against him. Debtor must file sworn schedules of assets and liabilities. Creditors elect a syndic,
who gives bond and manages the estate. Mortgage or
privilege creditors are not bound by the decision ofthe
majority of the creditors if they wish to sell the property, but may ask for the sale of sufficient to pay the
mortgage or privilege debt. Debtor can only obtain
final discharge by consent of a majority of creditors in
number and amount, and where discharge is not granted, debtor can be forced to make a new cession, when
he can be shown to have acquired property, but debts
subsequently contracted are entitled to preference.
Where a jury find the debtor guilty of fraud, he is deprived of the benefit of the insolvent laws, and is liable
to imprisonment.
ATTACHMENT. Writs of attachment issue on application of creditor, under oath, when the debtor is
about leaving the State permanently, without there being a possibility, in the ordinary course of judicial proceedings, of obtaining or executing judgment against
him previous to his departure ; when the debtor resides
out of the State : when he conceals himself to avoid
being cited and forced to answer to the suit intended to
be brought against him; when he has mortgaged, assigned or disposed of, or is about to mortgage, assign,
or dispose of his property, rights, or credits, or some
part thereof, with intent to defraud his creditors or give
an unfair preference to some of them ; and when he has
converted, or is about to convert, his property into
money or evidences of debt with intent to place it beyond the reach of his creditors. Creditor must furnish
bond
equaloneto the amount claimed to be due, with
at least
solvent surety, residing within the
jurisdiction of the court, conditioned for payment
to debtor of all damages sustained by him in case it is
decided that the attachment was wrongfully obtained.
Arrest of the debtor is allowed, but is of little practical value, as it only secures the person of the debtor to
answer the suit, and he can not be held for the payment
of the debt. Garnishment may be had as an accessory
either to a writ of attachment or fieri facias.
COURTS. Terms and Jurisdiction. District Courts
have original jurisdiction where over $100 are involved .
Orleans Parish has one Civil Court with five divisions,
and civil business is divided amongst them. Justice's
jurisdiction, $100.
EXECUTION. Property taken under a writ of fieri
facias must be advertised and appraised, and can not
be sold for less than two-thirds of the appraised value,
until it has been re-advertised . There is no redemption of property sold under execution or mortgage.
No stay of execution is given except on appeal, and
execution may issue at any time after the delay for
appealing suspensively has expired.
EXEMPTIONS. To head of family, real estate if
owned and occupied as a residence, together with certain furniture, stock, implements, provisions, etc.; the
property not to exceed $2,000, and no exemption if
wife has separate property worth over $2,000.
INTEREST. Legal rate is five per cent. , but eight per
cent. may be agreed upon. If higher than eight per
cent. is charged, such charge forfeits entire interest.
52
COMMERCIAL LAWS.
If paid, it may be sued for and recovered within
twelve months. But a higher rate may be recovered if
note.of the Parish Reincluded
principal
in therecorded
theoffice
in ofthe
JUDGMENTS
corder become mortgages from date of record upon all
real estate of the debtor, and may be thus recorded in
any parish where debtor owns real estate.
LIMITATIONS TO SUITS . Prescription-Of three years ;
Claims for arrearages of rent charges, or the hire of
movables or immovables, for the payment of money
lent, on accounts of merchants whether wholesale or
retail, and on all open accounts . Of five years : Actions
on bills of exchange and promissory notes, reckoning
from the date of maturity, for nullity or rescission of
contracts. Of ten years : All judgments for money,
whether rendered within or without the State, reserving to owner of judgment the right to have the same
revived at any time before prescription has run. Of
thirty years: All actions for immovable property, or
for an entire estate, as a succession. Prescription
may be waived by the debtor after the same is required.
Revivor: Express acknowledgment and promise to pay.
MARRIED WOMEN. Separate property of wife controlled by her; revenues of all separate property and
all property acquired by either husband or wife after
marriage held in community. A married woman can
not sue without the concurrence of her husband, and
she can not bind herself or her property for his debts.
Wife has no dower in her husband's real estate.
MORTGAGES can be foreclosed at any time after maturity of the debt by instituting a regular suit and
obtaining judgment thereon, or, if the act imports a
confession of judgment in favor of the holder, he can
apply to the court for an order directing the Sheriff to
seize and sell the property. All mortgages must be
recorded before they can have any effect as against
third parties . Trust deeds are not in use, and chattel
mortgages are unknown to the laws of Louisiana.
There is no redemption of property sold under mortgage.
NOTES AND BILLS OF EXCHANGE. Three days grace
are allowed upon bills of exchange and notes, or other
obligations made negotiable by law, but no grace is
allowed on sight bills or orders for money on demand
All negotiable instruments are due and payable on the
day following the third day of grace, when the third is
a Sunday or legal holiday, and if this day be a Sunday
or legal holiday, then such instruments are due and
payable on the following day, not a Sunday or legal
holiday. Whenever a promissory note is indorsed
for the benefit of the drawer thereof- of which mention is made in the note -if caused by the drawer to
be discounted in any bank in operation within the
State, or if the drawer obtain any money in consideration of said note from any person , the indorser shall be
bound to the holders of the note as if it had been discounted or negotiated for his own use or benefit. Bills
and notes, or other obligations for the payment of
money, to be evidence of a debt, must express the whole
sum in writing. The cents may be in figures. Days of
public rest are January 1 , January 8, February 12 , February 22, March 4, July 4, December 25, Sundays , Good
Friday and Shrove Tuesday.
SUITS. Actions are commenced by petition setting
forth cause of action , etc., and signed by plaintiff or his
attorney. Plaintiff must give resident security, and
also make a deposit to cover costs. Full names and
residences of parties should be supplied, especially
where the claim belongs to a partnership.
TAXES. The Collector is required to give ten days
public notice of his readiness to receive taxes, and after
ten days from the expiration of such notice, must give
written notice to each delinquent. If taxes are not
paid within ten days more, Collector may seize and sell
property, after twenty days advertisement. Lands sold
for taxes are redeemable within two years, by the
owner, his agent or heirs, or any creditor, on payment
of the purchase money, with interest at one per cent. a
month, and all subsequent taxes paid.
MAINE.
ACKNOWLEDGMENTS. All deeds of real estate in
this State must be under actual seal, and it is usual,
although not compulsory, to have them witnessed .
Deeds, in order to be recorded, if executed within the
State, must be acknowledged before a Justice of the
Peace or Notary Public.
In other States and Territories acknowledgment can be made before any Magistrate, Notary Public, Justice of the Peace, or Commissioner of Deeds for the State of Maine . While a
certificate of a Clerk of record to the acknowledgment
taken by a Justice of the Peace, or other official, is not
required, it is in all cases recommended. For acknowledgments one grantor is sufficient. In foreign countries
acknowledgments may be taken by a Notary Public, or
by any United States Minister or Consul.
ASSIGNMENTS AND INSOLVENCY . Insolvent debtors
may make assignments for the benefit of creditors, and
such will be held to pass all the property of the debtor,
whether specified or not, except such as is exempt by
law.
Property so assigned is not attachable for six
months after first publication of notice by assignee, and
creditors have three months after execution of assignment in which to become parties thereto. Debts of
creditors who become parties are alone discharged by
assignment.
An insolvent law (enacted later) provides a system of
insolvency, voluntary and involuntary, where debts are
not less than $300, with assignees elected, subject to
approval of the court, who dispose of property, pay expenses and divide the assets. The insolvent may be discharged from his debts. Fraudulent conveyances and
preferences are declared void. Penalties are provided
for misconduct of insolvent assignee and messenger.
Debts contracted by fraud and breach of trust are not
affected by discharge, which may be annulled_within
two years for cause. Proceedings are in the Probate
Court with appeals in certain cases to the Supreme Judicial Court, which has full equity power in all matters
arising under the law. If debts are less than $300, the
debtor may make ageneral disclosure and be discharged
from arrest. It has not been decided whether this law
repeals the assignment law.
ATTACHMENT. All real and personal property not exempt by law may be attached for debt, no affidavits
being required, and no security for costs unless the
creditor is a non-resident of the State; and liens thus
created hold in the order in which the attachments are
made until thirty days after rendition of judgment,
within which time they may be perfected by levy of
execution. Perishable goods or property liable to great
depreciation by keeping, being attached, may be sold
immediately by consent of parties, or by appraisal
caused to be made under the statute by the officer upon
request of attaching creditors, and the proceeds held by
the officer in lieu of the property. Debtors about to
leave the State may be arrested by special writ upon
affidavit of the creditor, of his belief that the debtor is
about to depart and reside beyond the limits of the
State, and to carry with him means of his own more
than necessary for his immediate support; and that at
least $10 is due on the claim, and in any case on execution when the debt is at least $10. Debtors under
arrest or imprisoned on execution or mesne process
may disclose all their property not exempt from attachment for the creditor's benefit, and be discharged
from arrest by Justice's Courts constituted for that
purpose, or may give bond and disclose in the same
manner. A party indebted to another may be held as
trustee of the latter, but claims for wages of personal
labor not exceeding $20 can not be garnisheed, except
where the debt is for necessaries.
COURTS. Terms and Jurisdiction. Supreme Judicial
Court, which holds from two to three terms a year in
each county, has unlimited jurisdiction in all actions
except as specified below. Inthe county of Cumberland
(Portland), the Superior Court has exclusive jurisdiction up to $500, and concurrent above that sum , and
holds term on first Tuesday of every month, except
June, July and August. In Kennebec county,
(Augusta), the Superior Court has exclusive jurisdiction up to $ 1,000, and concurrent above, and sits on the
first Tuesday of February, April, September and December, and the second Tuesday of June. Courts of
Probate have the usual jurisdiction ; Municipal Courts
and Trial Justices up to $20 only, with some exceptions.
EXECUTIONS may be issued any time after twenty-four
hours from rendition of judgment, and are returnable in
three months. Will run against the body where judgment is for more than $ 10, unless debtor is a married
woman. May be renewed at any time within three
years, or judgment may be sued within twenty years.
No stay is allowed except by the court for special cause,
and for one year against absent defendants. Real
COMMERCIAL LAWS.
estate sold under execution or levy may be redeemed
within one year by any person having an interest
in it.
EXEMPTIONS. Homestead, $500, where duly registered.
Usual wearing apparel, furniture $50, bedding, pictures, etc., library $150, stoves, fuel and lumber, provisions and seed grain, sewing machine, certain
working animals, a team not exceeding $300 in value,
and a boat of two tons burden, and domestic fowl worth
$50.
INTEREST. The legal rate of interest is six per cent. ,
but the parties may agree in writing for any rate of interest. Judgments bear interest at the rate of six per
cent. On open accounts current, interest would commence when the party to whom the balance is due
makes demand of payment. No usury laws.
JUDGMENTS do not create a lien on debtor's property,
but such lien may be created by attachment on the
writ. [ See ATTACHMENT, passim .]
LIMITATIONS ON SUITS. Debt contracts and liabilities,
express or implied, not under seal, six years ; arrears
of rent, waste, trespass on land, actions on the case,
and all actions for taking, detaining or injuring goods
or chattels, same time. On real actions and judgments
of courts of record, twenty years. Revivor : Part payment or new promise in writing.
MARRIED WOMEN may own, manage and convey real
and personal estate acquired from any source except
from husband, as if single. Married women may own,
buy and sell property of all kinds in their own right
and name, may transact business , and sue and be sued.
A married woman's property is not liable for the debts
of her husband, nor is he liable for her debts contracted
before marriage, nor for those contracted after in her
own name and upon her credit. All contracts of married women for any purpose are valid. Widow takes
dower in a life estate in one-third of all realty owned by
husband during coverture, one-half if no issue, if the
estate is solvent. The husband has a like interest in
the solvent estate of his deceased wife.
MORTGAGES of real estate must be acknowledged
53
and recorded same as deeds. May be foreclosed by
advertisement, by taking peaceable possession, or by
suit. Mortgagor has three years from the time either
of these proceedings are commenced in which to re
deem, but the time of redemption may be reduced to
not less than one year by agreement inserted in the
mortgage. There is no redemption from a sale made
by virtue of a power of sale contained in a mortgage.
Chattel mortgages (which are in use, not authorized by
statute but recognized by the courts) must, when for
above $30, be recorded or possession of the property
taken and retained by the mortgagee; otherwise they
are void as against these parties .
NOTES AND BILLS OF EXCHANGE. Three days grace
are allowed on all bills of exchange and promissory
notes not on demand, which are payable within this
State. Promissory notes for the payment of money, to
order or bearer, are negotiable. Demand and notice are
necessary to bind indorsers . The maker and indorser
can not be sued in one action. Damages on domestic
bills, three to nine per cent.; no statute in relation to
damages on foreign bills protested. Legal holidays are
Sundays, day of public Fast or Thanksgiving fixed by
Governor and Council, Jan. 1st, Feb. 22d, July 4th,
Dec. 25th, and Memorial Day.
SUITS. Actions are commenced, where both parties
are resident in the State, in the county where either
resides, and if plaintiff is non-resident, then in county
where defendant lives ; trustee actions where some
trustee lives. All actions concerning real estate must be
brought in the county where the land is situated ; and
actions of replevin, where the property was taken.
Service on individuals must be had fourteen days , and
on corporations thirty days, before the return day.
TAXES Constitute a lien on real estate. If taxes are
not paid within nine months after assessment, lands
are advertised and sold. Owners of non-resident land
may redeem within eighteen months, and of resident
land within two years after sale, by paying taxes, costs,
and twenty five per cent. interest in the first case, and
twenty per cent. in the latter.
MARYLAND .
ACKNOWLEDGMENTS of conveyances of any interest in
real or leasehold property, may be made within the
State, and in the county or city in which the land, or
any part of it lies, before a Justice of the Peace, a
Judge of the Orphans ' Court, or a Judge of any court
of record. If within the State, but out of the county
in which the estate conveyed lies, they may be made before a Judge of any of the State courts of record, or
a Justice of the Peace, the official character of the justice must be certified by the Clerk of the Circuit, County, or Superior Court, (Baltimore City), under his official
seal . If without the State, they may be made before a
Notary Public,a Judge of any Court ofthe United States ,
or of any State Court having a seal. The seal ofthe
officer or court to be affixed to the certificate ofacknowledgment in all cases. Every deed conveying any interest in real estate, must be signed and sealed by the
grantor, and attested by at least one witness . A scroll
seal is sufficient. No words of inheritance are necessary to create an estate in fee simple, and no separate
examination of a married woman is required.
ASSIGNMENTS AND INSOLVENCY. A debtor may be
declared insolvent upon his own application or upon a
petition filed by one or more creditors, the aggregate
of whose debts amount to the sum of $250 - alleging
some of the causes specified in the statute (1880, Ch.
172, Sec. 23) . No preferences are allowed. A discharge
releases the claims of all creditors living in the State,
but does not affect the claims of non-resident creditors
unless they are filed in the proceedings . Voluntary
deeds of assignment for the benefit of creditcrs, providing for an equal distribution of the assets among
the creditors, are valid, but deeds with preferences and
exacting releases are void.
ATTACHMENTS for debt can be obtained in all cases
when the defendant is a non-resident or has absconded,
affidavit being first made by the plaintiff to the correctness of his claim and the fact that the defendant is a
non-resident or has absconded. They may be also obtained in connection with an original process when the
creditor or some one in his behalf shall give bond in
double the amount of the debt, with sureties to be approved by the Clerk, and make affidavit before the
Clerk of the Court where the suit is brought that the
defendant is bona fide indebted to the plaintiff in the
sum claimed. and that the plaintiff knows or has good
reason to believe that the debtor is about to abscond
from the State, or that the defendant has assigned,
disposed of or concealed, or is about to assign, dispose
of or conceal, his property, or some portion thereof,
with intent to defraud his creditors, or that the defendant fraudulently contracted the debt or incurred
the obligation ; or that the defendant has removed or is
about to remove his property, or some portion thereof,
out of this State, with intent to defraud creditors. A
claimant may have the attached property released by
filing a bond in double the amount of the appraisement.
Any kind of property or credits belonging to the defendant, in the plaintiff's own hands or in the hands of
any one else, and shares of stock in a corporation, may
be attached. Credits not due may be attached, but
wages, hire or salary not due can not be attached unless the debt or judgment upon which the attachment
issued, exclusive of costs , exceed the sum of one hundred dollars . Imprisonment for debt is abolished .
COURTS. Terms and Jurisdiction . The Circuit Courts
in the counties have jurisdiction both at common law
and equity, unlimited as to the amount of claim . They
hold from two to four regular terms in each county at
which they have a jury ; there are, however, intermediate terms fixed by the rules, to which process may be
made returnable. The Circuit Court of Baltimore City
has exclusive equity jurisdiction in the city. The Superior Court, the Court of Common Pleas and Baltimore
City Court have concurrent common law jurisdiction.
The Court of Common Pleas has exclusive jurisdiction
in insolvency, and the Criminal Court in criminal cases.
The Orphans ' Courts in Baltimore City and in the
counties have probate jurisdiction . Justice's jurisdiction , $100. The Common Law Courts have three terms
in the year, and rule days every month in the year except August, to which process may be returnable. The
Equity Court has six terms in the year, beginning the
second Monday of January and every other month.
EXECUTIONS may issue at any time within twelve
years from date of judgment or from the expiration of
any stay, and may be therein levied on any property of
the defendant. In the Circuit Courts for the counties
there is a stay until the first Thursday of the term succeeding the rendition of the judgment, provided the judgment is obtained at the second term after the defendant
is summoned. There is no stay upon judgments
rendered in the courts of Baltimore City or by Justices
of the Peace in the city or counties, but execution may
54
COMMERCIAL LAWS.
issue forthwith. The defendant may stay the execution
by superseding with sureties in the courts for six
months, and before Justices in sums under $26.66 for
six months, and over that sum for twelve months.
EXEMPTIONS . No homestead law. Wearing apparel,
books and tools (not kept for sale) and $ 100 of property
in addition , are exempt from execution , except on
judgments for breach of promise to marry and seduction. Equitable interests in personal property can not
be sold under execution, but may be levied upon, and
the lien thus acquired may be enforced in equity.
Choses in action may be attached.
INTEREST. The legal rate of interest is six per cent.
per annum. Judgments bear interest from their date.
A person proved guilty of usury forfeits the excess
over the real sum or value of the goods and chattels
lent, and legal interest thereon. Since 1876, where the
whole debt, including the usury, is paid, the usurious
interest can not be recovered back.
JUDGMENTS are liens for twelve years from date of
rendition on any interest of the defendant in real or
leasehold property within the county where rendered.
They can be transferred from one county to another by
sending an execution to the Sheriff and a copy of the
docket entries to the clerk. The lien commences in the
county to which execution is issued from the date of
the entry of the docket entries by the clerk.
LIMITATIONS OF SUITS . Accounts and notes are barred
after three years, sealed instruments and judgments
after twelve years. A verbal promise will revive a debt
barred by the statute.
MARRIED WOMEN . The property of a married woman, real or personal, acquired by her at any time
since 1860, remains her separate estate and is not subject to the control or liable for the debts of her husband.
Wife must convey real or personal property by joint
deed with the husband, but may devise the same by
will as if she were sole. Where husband is found a
lunatic by inquisition she may convey property as if
she were feme sole. She may be sued on any instrument executed jointly with her husband and on any
contract made in the prosecution of business under a
license to trade. Widow is entitled to dower in real
estate and one-third of the personal estate if there are
children ; one-half if none.
MORTGAGES are executed, acknowledged and recorded
same as deeds, and are not valid against creditors unless
recorded within six months . There must be an affidavit made by the mortgagee or his agent at any time
before recording, that the consideration is true and
bona fide. If made by agent, he must, in addition,
make oath that he is the agent of the mortgagee. A
like affidavit is required to chattel mortgages, and absolute bills of sale, both of which must be recorded
within twenty days. The lien of a mortgage may, by
ceasing to pay interest or any installment of the principal for twenty years, be barred. They may be foreclosed at any time after the debt becomes due and
before the lien is barred .
NOTES AND BILLS OF EXCHANGE. The maker of a
promissory note or the acceptor of a bill of exchange
will be held liable to an innocent holder who takes the
same before maturity for value and in good faith even
though the note was made or the bill accepted without
consideration. Three days grace are allowed on all
negotiable paper except sight or demand drafts. A seal
to a promissory note makes it a single bill and therefore not negotiable. Bills of lading are by statute
negotiable in the same manner and with the benefit of
the same rules as promissory notes.
SUITS. Actions are at common law. Pleadings have
been simplified, but forms of actions remain as at common law. Service of writs must be made by the return
day, which, in the counties is the first day of each term ,
and in Baltimore City of each rule day.
MASSACHUSETTS .
ACKNOWLEDGMENTS may be made before any Justice
of the Peace, Magistrate or Notary Public, or Commissioner appointed for that purpose by the government of
this commonwealth within the United States. Acknowledgments of deeds may be made before any Consular officer under the laws of the United States, in any
foreign country to which he is accredited. Within
Massachusetts acknowledgments may be taken by
any Justice of the Peace or Notary Public . Where the
acknowledgment is taken by any official other than a
Commissioner for Massachusetts, a certificate of the
official's appointment and authority under which he
acts, made by the Secretary of State, or a Clerk of a
court of record, should be attached . Deeds must be
under seal, a scroll being insufficient. No subscribing
witness is necessary. Release of dower must be explicitly stated in deed, wife's joining in deed merely being insufficient. In case of several grantors acknowledgment of one is sufficient.
ASSIGNMENTS AND INSOLVENCY. The insolvent law
is in many respects similar to the United States bankrupt law, repealed in 1878, and has no jurisdiction over
debts contracted outside the State unless the same are
proved in the insolvency proceedings. But an assignment to trustee to divide property among creditors can
not be avoided by attaching creditor and only by assignee
in insolvency. Any person owing $100 or more may obtain relief; and any creditor may apply within ninety
days after commission of act of insolvency for seizure
and distribution of estate. Assignee is chosen by majority in value, and may be required to give bond. Proof of
debts must be substantially according to statute form,
mere affidavit of indebtedness not allowable. Original
notes and bills of exchange must be annexed to proof.
The oath may be made before Justice of the Peace, Notary Public or Commissioner. Assent of majority in
number and value filed within six months from date of
assignment necessary for discharge if assets do not pay
fifty per cent. or more, otherwise discharge granted
without assent. Attachments made more than four
months prior to first publication of notice of issuing
warrant in case of voluntary proceedings and more
than four months prior to first publication of notice of
filing petition in involuntary proceedings are not dissolved by assignment in insolvency.
ATTACHMENT. All real estate, goods and chattels not
exempt, may be taken in attachment on the original
writ and held as security for judgment, except that lands
and tenements can not be attached in suits involving
less than $20. Debtor may dissolve attachment by furnishing bond with sureties to pay judgment obtained or
value of property attached determined by appraisement.
Upon affidavit by the creditor or some one in his behalf,
that he has reason to believe that the debtor intends to
leave the State and has property not exempt from attachment which he does not intend to apply to the payment of plaintiff's claim, the debtor may be arrested
and held to bail. Debtor against whom judgment is
rendered for over $20 may be subjected to sworn examination touching his property, and if he refuses to deliver up such property ( not being exempt from attachment) , an order for arrest will issue and he can then apply and be examined to take the poor debtor's oath.
COURTS . Terms and Jurisdiction. Justices of the
Peace, Municipal and Police Courts have original and
exclusive jurisdiction when the debt does not exceed
$20. The Supreme Judicial Court has original and concurrent jurisdiction with the Superior Court, in actions
for recovery of debt to the amount of $4,000 or over in
Suffolk county (Boston) and $1,000 or over in the other
counties of the State. Superior Court has jurisdiction
where the amount claimed exceeds $20. Municipal
Court of the city of Boston has jurisdiction concurrently with the Superior Court in the county of Suffolk, in
actions where the debt does not exceed $1,000, provided
one or more of the defendants resides or has his usual
place of business in the city of Boston. The other
Municipal, District and Police Courts throughout the
State have, as a rule, concurrent jurisdiction up to
$300.
EXECUTIONS can not issue until twenty-four hours
after judgment rendered, and an original execution must
be issued within one year after plaintiff is entitled to
sue out the same. Executions from all courts are returnable within sixty days. There is no stay of execution, except by special order of court.
EXEMPTIONS . Homestead, if recorded, to the value
of $800. Household furniture, $300 ; library, $50 ; tools
and implements, $ 100 ; stock, $100 ; boats and fishing
tackle, etc. , $100 ; one cow, six sheep, one swine and two
tons of hay, sewing machine, necessary wearing apparel,
pew in church, etc.
INTEREST. Legal rate, six per cent. which is allowed
on judgments. There are no usury laws, and any rate
may be reserved or contracted for in writing, and rate reserved in note is payable after maturity of note as before.
JUDGMENTS may be entered within four days of default, but do not constitute a lien upon realty or personalty of debtor not attached on the original writ. Are
not outlawed for twenty years.
LIMITATION OF SUITS. Contracts or liabilities, ex-
COMMERCIAL LAWS.
press or implied and not under seal, six years ; real
actions, those upon an attested note, if suit is brought
by original payee or his executor or administrator, and
personal actions on contracts not limited, twenty years.
Revivor: Part payment by the party sought to be
charged or new promise to pay in writing. Absence
from the State prevents the running of the statute of
limitations as to a defendant until he comes into the
State. The statute does not run against infants, married
women during coverture, insane persons, those imprisoned and those absent from the State.
MARRIED WOMEN . The real and personal estate of a
married woman, acquired at any time, remains her sole
and separate property, not subject to the control of her
husband, nor liable for his debts. Married women may
carry on trade or business, make contracts , sue and be
sued, in all matters relating to their separate property,
and such contracts are not binding upon the husband.
Wife can not deprive her husband of more than half of
her personal property by will, nor can she impair his
interest in her real estate as tenant by the curtesy without his written consent. Widow takes dower as at
common law, in one-third of her husband's real estate,
and if there be no children she takes one-half for life.
Wife carrying on business on own account must file
certificate with city or town clerk ; neglect to do this
renders her property so employed liable for husband's
debts, and renders husband liable for her debts thus
contracted.
NOTES AND BILLS OF EXCHANGE . Three days of grace
are allowed on all negotiable paper payable at sight or
at a future day certain, except that no day of grace shall
be allowed upon any bill of exchange,note or draft, payable on demand, nor upon a check drawn upon a bank.
The drawer of a bill or draft requiring acceptance has
till two o'clock P. M., on the next business day after
presentment to decide whether he will accept. Bills of
exchange, drafts, promissory notes and contracts, due
and payable, or to be executed, on Sunday or any
Fast day or Thanksgiving day appointed or recommended bythe Governor or by the President, or Christmas
day, twenty-second day of February, the fourth day of
July, or on the following day when either of the two
55
days last mentioned occurs on Sunday, shall be payable
or performable upon the business day next preceding
said days ; and in case of non-payment or non-fulfillment may be noted and protested upon such preceding
day; but the holder or holders of such obligations need
not give notice of the dishonor, non-payment or non-fulfillment thereof until the business day next following
the days above specified. To charge indorsers of a
promissory note payable on demand, a demand made at
the expiration of sixty days from the date thereof, without grace, or at any time within that term, is necessary
to fix liability of indorser and shall be deemed to be
made within a reasonable time. No presentment of
such note to the promissor and demand of payment will
charge the indorser, unless made on or before the last
day of said term of sixty days . Orders and drafts for
money payable within this State, in which no time of
payment is expressed , shall be deemed to be payable on
demand. All persons becoming parties to promissory
notes payable on time by a signature in blank on the
back thereof, shall be entitled to notice of the non-payment thereof the same as indorsers .
SUITS. Civil actions in general, except those concerning land, (if one of the parties lives in the State)
must be brought in the county where one of them lives
or has his usual place of business . Where all parties
are non-resident, action may be brought in any county.
Attachment of property owned by defendants residing
out of State sufficient to give jurisdiction in suit after notice published by order of court. Persons commorant in State may also be arrested on mesne process
and held to bail.
TAXES assessed on real estate are a lien for two years
after they are committed to the Collector . If not paid
on demand, Collector may sell after advertisement.
Owner, his heirs or assigns, may redeem within two
years by payment to the purchaser of the sum paid by
him, with ten per cent. interest and all necessary intervening charges and person having title may redeem in
two years after notice if property is taxed to a person unknown, or to tenant or occupant not owner, or wrong person or mortgagee of record.
MICHIGAN.
ACKNOWLEDGMENTS. Deeds and mortgages of lands
or any interest therein, executed within this State, must
be witnessed by two persons, and may be acknowledged
before any Judge or Commissioner of a court of record,
a Notary Public, or a Justice of the Peace or Master
in Chancery. When an instrument in writing is executed and acknowledged in any other State, Territory,
or District of the United States, it may be done
before any Judge of a court of record, a Notary
Public, Justice of the Peace, Master in Chancery, or
other officer authorized by the laws of such State to
take the acknowledgment of deeds therein, or before
any Commissioner appointed by the Governor of Michigan for that purpose. Unless the acknowledgment be
taken before a Commissioner for Michigan, the instrument should have attached thereto a certificate of the
Clerk of a court of record of the county or district
within which such acknowledgment was taken, under
the seal of his office, that the person whose name is
subscribed to the certificate of acknowledgment was, at
the date thereof, such officer as he is therein represented to be; that he believes the signature of such person
subscribed thereto to be genuine, and that the instrument is executed and acknowledged according to the
laws of such State, Territory or District, and if such instrument be executed in any foreign country, it may
be executed according to the laws of such country, and
may be acknowledged before any Notary Public
therein, or before any Minister Plenipotentiary,
Minister Extraordinary, Minister Resident, Charge
des Affairs, Commissioner or Consul of the United
States, appointed to reside therein. Such acknowledgment to be certified thereon by the offiçer to being the
same under his hand, and if by a Notary, his seal of
office shall be affixed to such certificate .
ASSIGNMENTS AND INSOLVENCY. Assignments for
the benefit of creditors may be made by an insolvent
debtor, without preference, and must be of all property
of assignor not exempt from execution. Assignee must
give approved bond in double the amount of property
assigned. The bond and the instrument of assign
ment or a duplicate thereof, inventory of the assigned
property and a list of the creditors ofthe assignor, must
be filed with the Clerk of the Circuit Court in the county
where the assignor resides, or, if he is not a resident of
this State, then in the county where the assignee resides,
and if neither are residents of this State, then in the
county where the assigned property is principally located. No assignment shall be effectual until such bond
shall be executed and filed as above stated , and approved
by said Clerk. No attachment or execution levied upon
assigned property after the assignment and before the
expiration of the time for filing bond shall be valid.
The assignment must be acknowledged before an officer
authorized to take acknowledgments . The bond shall
be to the assignor for the joint and several use and benefit of himself and all creditors of such assignor, and
shall be signed by the assignee and sufficient sureties,
who shall justify before said Clerk or a Circuit Court
Commissioner under oath . Notice shall be given by
the assignee personally or by mail to each creditor ;
such notice shall require creditors to prove their claims
within ninety days thereafter by affidavit to be filed in
said Clerk's office, or in default the assignee or receiver
will proceed to distribute said estate, as soon as practicable thereafter without reference to claims not proven.
When dividend is made, assignee shall cause appraisement to be made, by two competent appraisers under
oath, of the property assigned to him, and file the same
with the assignment. He shall also file a report of the
condition of the estate and his doings under the assignment within three months thereafter in the said Clerk's
office. In case of fraud in the assignment or in the execution of the trust, or failure to comply with the law, or
failure to promptly and faithfully execute the trust, any
person interested may file a bill in chancery for the enforcement of the trust and the appointment of a receiver.
ATTACHMENT. Process will issue on affidavit that
debtor has absconded, or is about to abscond from the
State; has assigned, removed, or concealed his property with intent to defraud ; or fraudulently contracted
the debt; or is non-resident, or a foreign corporation.
Garnishee process may be issued from any court in
which the original suit might be commenced, but the
wages of any householder, having a family, to the extent of $25, are exempt from garnishment. Arrests of
debtors may be made in all actions other than those
arising on contract, and in such actions when the claim
is for money collected by any public officer, or for misconduct or neglect in office or professional employment.
No woman can be arrested on civil process.
COURTS . Terms and Jurisdiction. Circuit Courts,
holding from two to four terms a year in each county,
56
COMMERCIAL LAWS.
have original and exclusive jurisdiction where the debt
exceeds $300. Concurrent jurisdiction when damages
on contract amount to $100, and exclusive jurisdiction
in actions of tort where damages alleged exceed
$100. The Superior Court of the city of Detroit
and the Superior Court of the city of Grand Rapids
have original and concurrent jurisdiction with the Circuit Courts in all civil actions where the debt or damages exceed $100, and in which the defendants, or one
of them, shall have been served with process in the
said respective cities, and where the parties, or one of
them reside in said cities, which must appear in the
process or pleadings . Justice's Courts have original
jurisdiction when the debt does not exceed $100, and
concurrent jurisdiction with the Circuit Court when the
debt does not exceed $300, except in actions of tort,
where the limit is $100 . There is a Probate Court in
each county, with the usual powers.
EXECUTION may issue at once in Circuit Courts, and
within five days from rendition ofjudgment in Justice's
Courts. Executions are returnable in sixty days . Stay
in Justice's Courts may be obtained by giving secured
bond for payment of judgment, costs and interest ; the
time allowed being four months when the judgment
does not exceed $50, and six months when above that
sum. Lands sold under execution may be redeemed
within one year, by payment of the purchase money,
with interest borne by the judgment. Executions may
issue at any time during the life of a judgment.
EXEMPTIONS . Homestead of any householder not exceeding forty acres, if in the country, or a house and
lot in a city, town or village, the value in either case not
to exceed $1,500. Can not be alienated or incumbered
without consent ofthe wife, where such relation exists.
Personalty exempt includes household furniture to
amount of $250 ; stock in trade, a team, or other things
which may be necessary to carry on the pursuit of
particular business , up to $250 ; library and school books
not exceeding $150 ; to a householder, ten sheep, two
cows, five swine, provisions, fuel, etc.
INTEREST. Seven per cent. per annum is the legal
rate of interest, but parties may contract in writing
for a higher rate, not exceeding ten per cent. The
penalty for usury is a forfeiture of the excess, but no
action can be maintained to recover back such excess
after the voluntary payment of the same. A bona fide
purchaser of negotiable paper is not affected by its
paper. Judgappearing on thethe
being usurious, unlessrate
instrument
of interest as
ments bear the same
upon which such judgment was founded.
JUDGMENTS are not liens until execution has been
issued thereon and a levy made. Judgments can be
obtained in the Circuit Court in from forty-five to sixty
days, depending on return day, time of service, term of
court, etc. In Justice's Courts, if defendant makes
default, judgment can be obtained on return day of
process. Judgments of courts of record exist ten years ;
of Justice's Courts, six years.
LIMITATIONS OF SUITS . On accounts and notes and
other simple contracts actions can not be brought unless
within six years from the time the action accrued, as
also all civil actions for injuries to person or property.
On sealed instruments and judgments, ten years .
Revivor : Part payment, or promise in writing to
pay. Proceedings to foreclose mortgages must be
commenced within fifteen years after they become
due and payable, or within fifteen years after last payment on mortgage ; and as to mortgages fifteen years or
more past due, within five years after the statute takes
effect. [Sce Session Laws 1879. ]
MARRIED WOMEN may make contracts in respect to
their own property, and may have, hold and enjoy the
same, and have the same rights and remedies as though
they were unmarried . But a married woman's signature to or indorsement of a note given to secure the
debt of her husband or other person, is voidable by her.
She may, however, bind her real or personal property,
to secure such indebtedness, by mortgage. A mortgage
upon a homestead is void unless signed by the wife.
Widow takes dower; the use during her natural life
of one-third part of all the lands whereof her husband
was seized of an estate of inheritance at any time during coverture.
MORTGAGES of real estate must be recorded within
the county, and if not so recorded are void as against
subsequent purchasers for a valuable consideration
without actual notice of such mortgagee. Chattel mortgages are absolutely void as against creditors or subsequent purchasers and mortgagees in good faith , unless
the mortgage or a true copy thereof be filed in the City
or Township Clerk's office where the mortgagor resides. Such mortgages made and withheld from the
files are postponed to all indebtedness contracted after
their date, and prior to date of filing such mortgages.
Chattel mortgages are held to be securities for the debt
on demand-give no title until foreclosed by sale ofthe
property, under power of sale, or by proceedings in
equity, or possession of the goods is given to and
retained by the mortgagee. Such mortgages cease to
be valid after one year, unless within thirty days before
the expiration of that time they are renewed byaffidavit.
NOTES AND BILLS OF EXCHANGE . On all bills of exchange and negotiable notes and acceptances payable
within this State, three days of grace are allowed, but
not in case of any bill of exchange, note or draft payable
on demand. All checks, bills of exchange or drafts
drawn on any bank, are payable without grace, and it is
not necessary to protest the same for non-acceptance .
In all other cases demand, protest for non-payment, and
the sending notices of protest to the indorser, at his
reputed place of business or residence, are necessary to
bind the indorser. Damages on domestic bills protested, three to ten per cent. Holidays to be observed
in the acceptance and payment of bills of exchange and
promissory notes, in the holding of courts, etc., are the
following: 1st day of January (New Year's day) , 22d
of February (Washington's Birthday), 4th of July, 25th
of December (Christmas Day) , 30th of May (Decoration
day) , and any day appointed by the Governor or the
President of the United States as a day of Thanksgiving.
In case any of said holidays shall fall on Sunday, then
the Monday following shall be considered as the said
holiday. When the last day of grace falls on Sunday,
or on any legal holiday, the day previous is considered
as the last day of grace.
SUITS. Practice and proceedings of courts are in
accordance with the rules of common law, with some
statutory modifications, so far as applicable to our institutions.
TAXES assessed against real estate become a charge
against the owner on the second Monday of May, and a
lien on the real estate from first Monday in December of
same year. Lands returned for delinquent taxes are
sold on first Monday in October in the year following
that in which the taxes were assessed. One year is
allowed for redemption, the penalty ranging from fifteen to fifty per cent. on the purchase money. City
taxes are governed by charter.
MINNESOTA.
ACKNOWLEDGMENTS. Deeds must be signed, sealed
and acknowledged by the grantor, and attested by two
witnesses. Within the State acknowledgments may be
made before any Judge or Clerk of a court of record,
Justice of the Peace, Notary Public, Register of Deeds ,
Court Commissioner or County Auditor. Without the
State,but within the United States, by Judges or Clerks
of courts of record, Justices of the Peace and Notaries
Public, also by Commissioners in any of the States or
Territories of the United States, duly appointed and
commissioned by the Governor of this State. In foreign countries before any Notary Public, Minister, Consul or other diplomatic or commercial agent of the
United States thereaccredited and resident.
ASSIGNMENTS must be in writing, subscribed by debtor
or debtors and acknowledged. Debtor must file inventory of all property within ten days after filing assignment. Assignee must give bond with two or more
sureties to be approved by Judge of District Court in
double the amount of property inventoried. Claim
must be verified by oath of the party, except claims of
the United States or State of Minnesota. Debts are
paid in the following order after paying costs and
charges of assignment: First, debts due the United
States and the State of Minnesota, and all taxes levied
and unpaid, to be paid in full; Second, debts owing
for wages of servants, laborers and mechanics and
clerks for labor and service performed by them within
three months next preceding the date of assignment,
which are paid in full to the exclusion of all other indebtedness if there be sufficient wherewith to pay the
same in full. If not, they shall be paid pro rata.
ATTACHMENTS may issue from Justice's Court upon
filing bond in double the value of the property, and affidavit of plaintiff or some person in his behalf that he
has good reason to believe : 1st, that defendant is a
non-resident corporation ; 2nd, that defendant is not a
resident ofthis State and has not resided therein for three
COMMERCIAL LAWS.
57
months preceding the time of making the affidavit ; 3rd, rate of interest allowed to be taken by special contract
that defendant has absconded or is about to abscond is ten per cent. The penalty for usury is forfeiture of
from the State ; 4th, that defendant has removed or is the entire amount of the note or other instrument, and
about to remove his property out of the State with in- of all interest.
tent to defraud his creditors ; 5th, that defendant reJUDGMENTS. If no defense is made, judgments can be
sides in any other county and more than 100 miles from obtained at the expiration of twenty days, and upon
-the residence of the Justice ; 6th, that defendant con- being docketed in the office of the Clerk of the court,
tracted the debt under fraudulent representations ; 7th, they become liens upon all real estate of the debtor in
that defendant so conceals himself that the summons the county where docketed, owned by him at that time
can not be served upon him; 8th, that defendant has, or afterwards acquired, for ten years after date of
or is about to, fraudulently convey or dispose of his docketing, and can be enforced during that time by
property so as to hinder, delay and defraud his credi- execution against the real or personal property ofjudgment debtor.
tors. In attachments in District Courts plaintiff's affi
LIMITATIONS TO SUITS . On contracts, express or imdavit must state facts and can not be made on information and belief as in Justice's Courts. Arrest for debt plied, six years ; on judgments or to foreclose mortgage,
is not allowed in this State.
ten years ; real actions, twenty years, Revivor: Part
COURTS . Terms and Jurisdiction. District Courts, payment or new promise in writing.
holding one or two terms a year in each iorganized
MARRIED WOMEN. All property acquired by wife becounty, (three in Ramsey and Hennepin countes), have fore or after marriage remains her separate estate,
original jurisdiction in all civil actions involving over neither controlled by nor liable for the debts of her hus$100; in all actions where a Justice has not jurisdic- band. Married women are held on their contracts and
tion, without regard to amount; and in all equitable bound by them the same as if unmarried : except, a
actions and proceedings. A Probate Court with usual married woman can not sell her real estate, or make any
powers is established in each organized county, and conveyance of land other than a mortgage for the purholds term on the first Monday of each month . Justice's chase money or a lease for three years or less , without
jurisdiction, $100.
her husband joins in the conveyance. Estates in dower
EXECUTIONS may issue from District Courts at any and by the curtesy are abolished, and the surviving wife
time within ten years after judgment, and to any county or husband is entitled to the homestead for life free
where a transcript has been docketed. Executions are from debts of the deceased, and to one equal unreturnable in sixty days. Personalty is first levied on, divided one-third of all other lands of which the deand is sold on ten days notice; real estate after six ceased was seized during coverture, subject to payment
weeks publication. In Justice's Courts execution may of lawful debts of the deceased , but free from any
issue ten days after entry of judgment, returnable in testamentary or other disposition.
thirty days, and renewable from time to time for
MORTGAGES on real estate must be recorded , and are
periods of thirty days. In courts of record six months foreclosed by action or publication . A year is allowed
stay is granted on defendant filing bond with two free- for redemption. Chattel mortgages are void as against
hold sureties, approved by the court, conditioned to creditors and subsequent mortgagees and purchasers
pay amount of judgment with costs, and interest in good faith, unless acknowledged and filed with the
at the rate of ten per cent. per annum. Stay in Town or City Clerk, both where property is situated
Justice's Courts may be had in same manner, where and where mortgagor resides. They are then valid ,
judgment is under $10. one month ; $10 to $25, two but cease to be notice after two years from date of filing.
NOTES AND BILLS OF EXCHANGE. On all bills of
months; $25 to $50, three months; $50 to $75, four
months; over $75, six months. Real estate sold on exchange, payable at sight, or at a future day certain,
execution is subject to redemption for one year from and on all negotiable promissory notes, orders and
date ofsale.
drafts payable at a future day certain , within this State,
EXEMPTIONS. Homestead of eighty acres in country; in which there is no express stipulation to the contrary,
half an acre if in city, town or village not incorporated, grace is allowed according to the custom of merchants .
and of less than 5,000 inhabitants, and one lot if in No grace on demand paper. Damages five per cent. on
larger cities, towns, or villages, with dwelling house domestic and ten per cent. on foreign paper protested.
thereon , without regard to value. Wearing apparel,
SUITS. There is only one form of action, and all
books, pictures and furniture, up to $500; three cows. civil actions must be prosecuted in the name of the real
ten swine, twenty sheep, and wool from the same, a party in interest, except suits by administrators, etc.
yoke of oxen and a horse, or, in lieu thereof, a span of Full name of plaintiff must be furnished. Process to
horses or mules ; necessary food for stock for one year; commence suit in the District Court must be served on
wagon, plows and farming utensils up to $300 ; one the debtor twenty days before judgment can be taken
year's seed grain not exceeding 150 bushels in all , and by default, except action for divorce, when summons
must be served at least thirty days before defendant
provisions
fora family
one year.
The tools
andand
in- will
be in default.
struments of
mechanic
miner, for
or other
person,
TAXES . Taxes become due and payable Dec. 1 , perstock in trade up to $400 ; library and instruments of a
professional man ; $20 wages of laboring man
sonal property tax delinquent March 1. Real property
woman, for services rendered within ninety days pre- tax delinquent June 1, penalty of 5 per cent. attached
ceding the issue of process. Also, where the debtor is
on personal property March 1, and on real property of
a printer, publisher or editor of a newspaper, all the 10 per cent. after June 1 , County Treasurer to levy
distress on goods and chattels and sell the same at
presses, stones, type, cases and other tools and implements not exceeding $2,000, and stock in trade up to public vendue for personal property tax, and real
estate is sold for tax on third Monday in September
$400.
INTEREST. Seven per cent. is the legal rate of in- each year, and is subject to two years redemption. Tax
terest upon every legal indebtedness, including judg- judgments draw interest at the rate of one and onements and accounts. Since July 1, 1879, the highest half per cent. from date of sale.
MISSISSIPPI.
ACKNOWLEDGMENTS may be certified and proven before any of the Judges of the Supreme Court of the
United States, or any District Judge of the United
States (Code, 1871, sec. 2312), or a Judge of the Supreme
or Superior Court in any State or Territory, any Justice of the Peace, or Notary Public (Acts of 1876, p. 77) ,
whose official character shall be certified to under the
seal of some court of record, or by any commissioner
appointed by the Governor of Mississippi. A married
woman, on a private examination, must acknowledge
that she signed, etc., without fear, threat or compulsion of her husband. Garnishee process will issue in
aid of attachment or execution.
ASSIGNMENTS AND INSOLVENCY . No insolvent law.
Debtor may make assignments to secure creditors , and
may prefer one creditor over the remainder, but the assignment must be bona fide, and no benefit, direct
or indirect, may be reserved to the debtor. All
conveyances or assignments made with intent to de-
fraud creditors are void. There is no provision for the
discharge of a debtor on his making an assignment.
ATTACHMENT. The property of a debtor who is a
non-resident, or who removes or is about to remove
himself or property, who absconds or concea's himself,
or who assigns or disposes of his property, or some
part thereof, or is about to assign or dispose of nis
property, or who has property or rights in action which
he conceals and unjustly refuses to apply to the payment of his debts, with intent to defraud his creditors
or give an unfair preference to some of them , or who
has converted or is about to convert his property into
money or evidences of debt, with the intent to place it
beyond the reach of creditors, or who has fraudulently
contracted the debt or incurred the obligation for
which suit has been or is about to be brought, may be
attached. Non-resident creditors have the same rights
of attachment as resident creditors, whether the debtor
be resident or non-resident. The first attachment on
58
COMMERCIAL LAWS.
the property holds against all subsequent ones , and is Revivor: An acknowledgment of the debt or new
to be first satisfied. Plaintiff must furnish bond and promise in writing.
MARRIED WOMEN retain their separate estate, real
make affidavit as to one or more of the grounds of attachment specified above. There is no arrest or im- and personal, however acquired . A married woman
can not be sued upon her contracts, nor can she incumprisonment for debt in Mississippi .
COURTS . Terms and Jurisdiction. Circuit Courts, ber her separate estate for her husband's debts, even by
holding at least two terms a year in each county, have joint trust deed or mortgage . But where she engages
jurisdiction for the collection of all claims over $150. in business as a trader, she may be sued and she is
The State is divided into ten Chancery Court districts , liable ou contracts for supplies for the family, educaand the Chancery Courts have full equity and probate tion of children, household furniture, etc. Deed to
jurisdiction. Justice's courts have jurisdiction for the homestead is void unless she joins, but the husband
collection of debts up to $150.
can convey all other of his real estate without her joinEXECUTIONS issue in courts of record within twenty ing. Widow takes dower in all lands , tenements , and
days after the adjournment of court for the term ,unless hereditaments of which her husband died seized-oneotherwise ordered by the plaintiff, and in Justice's third if there are children or descendants of children,
Courts after the lapse of five days from judgment ren- and one-half in fee simple if there be none. If the
dered, unless recovering party makes affidavit that he husband dies intestate, leaving no children nor deis in danger, by delay, of losing his debt or demand, in scendants of children , widow is entitled to his entire
which case execution issues forthwith . There is no estate, real and personal, in fee simple. The same rules
stay law in Circuit Courts, but executions issued by of descent regulate both realty and personalty.
MORTGAGES do not take effect as to creditors or purJustices may be stayed for sixty days on sums over $50,
and for thirty days on less amounts, by defendant giving chasers in good faith and without notice until they are
secured bond, such stay operating as a waiver of appeal delivered to the Clerk for record. Mortgages are foreand all errors of the judgment. No redemption of lands closed by bill, and there is no provision for redemption.
Chattel mortgages must be recorded, or possession of
orEXEMP
other property sold under exemption or mortgage.
TIONS . Residence of householder having a the property must pass.
NOTES AND BILLS OF EXCHANGE must be protested,
family, eighty acres in country or residence and lot in
city, town or village , in no case exceeding, with im- and notice of non-payment given substantially as at
provements, $2,000 in value. Tools, farming imple- common law, to bind parties entitled to notice. Forments, wearing apparel ; libraries of attorneys , physi- eign bills of exchange payable out of the United States,
cians, and ministers, and instruments of surgeons and protested for non-acceptance or non payment, draw ten
dentists , $250 ; sewing machine, two horses or mules, per cent. damages and legal interest; bills drawn payor one yoke of oxen, two cows and calves, five swine, able in the United States, protested for non-acceptance,
five sheep with certain food and provisions , wagon or draw damages at the rate of five per cent. besides legal
cart $ 100, household furniture $100, and wages of daily, interest.
SUITS. Forms of action are as at common law, but
monthly or yearly laborer $100.
INTEREST. The legal rate of interest is six per cent. simplified bythe abolition of fictitious pleadings. Serper annum, but parties may contract in writing for ten vice must be had both in Circuit and Justice's Courts
per cent.; when more than ten per cent. is stipulated five days before the court sits.
for, the excess is usurious and can not be enforced .
TAXES . Personal property is assessed once a year ;
JUDGMENTS when enrolled in Circuit Clerk's office real estate every four years, and taxes constitute a prior
become liens on defendant's property within the lien on both real and personal property. Taxes are
county, and may be extended to other counties by filing due on or before December 15 of each year, and
certified abstracts of the judgment. Lien continues personalty can be sold on five days ' notice. Where
seven years.
there is no personalty, land of the tax-payer is sold by
LIMITATIONS OF SUITS . Open accounts, accounts the Collector on the first Monday of March following,
stated and verbal contracts, three years; contracts not The owner or any one interested in any lands sold for
under seal, express or implied, six years ; bonds, notes taxes, may redeem within one year after the day of sale,
and contracts under seal and awards of arbitrators, on the payment of all taxes. costs, fees and interest, at
seven years ; judgments and decrees rendered in the rate of one and one-half per cent. per month from
another State against resident of this, three years; the date such lands became delinquent for the non-payrendered in this, seven years ; real actions, ten years. ment of taxes.
MISSOURI.
ACKNOWLEDGMENTS are taken in Missouri, by a court
having a seal, or Judge, Justice or Clerk thereof, Notary
Public, or Justice of the Peace of county wherein land
is situated. If out of Missouri, but in United States,
by a Notary Public, State or Federal court, having a
seal, or Clerk of such court, or Commissioner appointed
by Governor. If without United States, by any court
having seal, of State, Kingdom or Empire, or chief
officer of any city or town having a seal, or any Minister
or Consul of United States, or any Notary, having a
seal.
ASSIGNMENTS AND INSOLVENCY. An insolvent may
make a voluntary assignment for the benefit of all creditors, and assignee must file inventory of assets within
fifteen days after execution of deed of assignment and
give secured bond within three days. Assignee fixes a
day for hearing claims, and gives notice thereof by
publication for three months. Circuit Court has supervision of all assignment proceedings . Debtor is not
discharged from his liabilities except by consent of
creditors.
ATTACHMENTS will issue in aid of summons when
defendant is non-resident or a foreign corporation, or
conceals, absconds, or absents himself, removes or attempts to remove, sell, convey or assign property with
intent to defraud, hinder or delay creditors , or where
the debt was fraudulently contracted, or where the action is for damages arising from the commission of a
felony or misdemeanor, or for the seduction of a
female, or where debtor has failed to pay price of
goods. which by contract were to be paid for on delivery. Writs of attachment may be levied by garnishing a debtor of the defendant. There is no arrest for
debt in any case.
COURTS. Terms and Jurisdiction . Justice's Courts,
in counties having over 50.000 inhabitants, have jurisdiction on contracts and torts to extent of $250, and of
all actions against railroads for killing or maiming
stock, irrespective of value. In counties having less
than 50,000 , in all cases both of contract and tort to the
extent of $ 150, and against railroads for killing or
maiming stock irrespective of value. Circuit Court
has unlimited general jurisdiction exceeding $50 . In
some counties there are local courts, called Common
Pleas, of concurrent jurisdiction with the Circuit Courts
over certain districts. Circuit Court holds two to three
terms annually (in St. Louis five). There is a Probate
Court in each county, with the usual powers.
EXECUTIONS may issue at any time within ten years
from the time judgment is rendered ; are returnable to
the next term of court after they are issued. Execetion
from Circuit Court not a lien upon personal property
until levied. Execution from Justice's Court a lien
upon personal property as soon as placed in hands of
Constable. There is no stay of execution. Real estate
taken under execution is sold without appraisement, to
the highest bidder.
EXEMPTIONS . To heads of families : Personal property, various articles and stock namud, or else if chosen
by debtor, in value $300 ; homestead; 160 acres in
country, or thirty square rods in city of less than 40,000
inhabitants, either in value $1,500 ; in cities over 40,000 ,
eighteen square rods, value $3,000.
INTEREST. The legal rate is six per cent. , but parties
may contract in writing for not to exceed ten per cent.
The penalty for usury is the forfeiture of the interest at
ten per cent. to the common schools, and the recovery of
costs by the defendant. Judgments bear interest at the
rate of six per cent. per annum. If the contract sued
on calls for a higher rate-not exceeding ten per cent.the judgment thereon may be made to bear the rate of
interest so agreed on. An open account bears interest
at the rate of six per cent. per annum from the time
when demand for payment is made.
COMMERCIAL LAWS.
JUDGMENTS of courts of record are liens upon real
estate ofdefendant within the county, and may be extended to other counties by filing transcript. Judg.
ments of Justices of the Peace are liens on realty after
transcript is filed in Circuit Clerk's office . Lien continues three years from rendition of judgment, and may
be renewed for two years by scire facias. Judgment
may be renewed within ten years for an additional period of ten years.
LIMITATION OF SUITS. Open accounts and all promises not in writing, five years ; contracts and instruments
in writing, ten years ; judgments and decrees of courts
of record, twenty years. Revivor : New promise in
writing or part payment.
MARRIED WOMEN hold their real and personal property free from control of the husband, and not liable for
his debts, but through the intervention of a trustee.
Wife is liable for her ante-nuptial debts . A married
woman can make contracts in her own name, buygoods,
and give notes in settlement of purchases binding her
own separate property, both real and personal . Widow
takes dower in one-third for life of all the husband's
lands .
MORTGAGES and deeds of trust must be executed and
acknowledged like other deeds, and must be recorded.
The usual form of security is a deed of trust, by which
the property is conveyed to a trustee, with power to sell
without intervention of the court. Chattel mortgages
are void as to creditors of the grantor and purchasers
without notice, unless possession of the property passes
to and is retained by the mortgagee, or the mortgage or
deed is recorded. Real property sold under deed of
trust without foreclosure, may be redeemed within one
yearif bought in by the cestui que trust or his assignee.or
by any person for them or either ofthem-if bought by
a stranger there is no redemption. Unless evidenced
by writing, executed, acknowledged and recorded as
provided in cases of mortgages of personal property, all
sales of goods and chattels, unless accompanied by a de-
59
59
livery of possession within a reasonable time , are fraudulent and void as against vendor's creditors and subsequent purchasers in good faith. All conditional sales,
leases, rentings or hiring of personal property unless
evidenced by writing, executed, acknowledged and recorded as provided in mortgages of personal property,
are void as to creditors and subsequent purchasers in
good faith.
NOTES AND BILLS OF EXCHANGE . Upon protested
bills and upon notes that have been negotiated, the following rates of damages can be recovered if the bill or
note is over due twenty days before suit is begun : 1st, if
drawn upon a party in this State, four per cent.; 2d, if
drawn upon a party out of this State and within the
United States, ten per cent.; 3d, if drawn upon a party
out of the United States, twenty per cent. The destruction of a bill by the drawee , or refusal to return it within
twenty-four hours after presentation for acceptance, is
taken to be an acceptance. Damages for protest are
allowed only to holders for value or their assigns . No
days of grace are allowed on sight bills or orders.
Public holidays are January 1 , July 4. December 25,
General Election day and Thanksgiving day; and notes
or bills falling due upon a Sunday or public holiday are
payable on the next day, unless the latter be also a Sunday or holiday, in which case they are payable on the
day preceding actual maturity.
SUITS for collection of debts may be brought by summons in the county where defendant resides, or in the
county where plaintiffresides , if defendant can be found
there; where there are several defendants, in any
county in which one of them resides, and when defendants are non-resident, then in any county. Names of
individual plaintiffs must be furnished, and a bond
given for costs by non-residents .
TAXES remaining unpaid after December 31 , are subject to a penalty of one per cent. per month until paid.
Tax and penalties are a lien upon property assessed,
which may be sold after January 1.
MONTANA.
ACKNOWLEDGMENTS. Every conveyance in writing
EXEMPTIONS. Homestead, not exceeding 160 acres
of, or affecting, real estate, must be acknowledged or in country; half an acre, if within a town plat, city or
proved and certified. Within the Territory acknowl- village, and in each case limited to $2,500 . Usual peredgments may be made before the Secretary of the sonal schedule, and to farmer, implements , stock,
Territory, any Judge or Clerk of a court having a seal, seeds, etc., $800 ; tools, teams and libraries of mea Notary Public, Justice of the Peace or County Clerk. chanics, business and professional men; dwelling of
Elsewhere in the United States , before some Judge or miner, $500 ; his tools and machinery, $500 ; wages of
Clerk of any court of the United States, or of any State laborer for thirty days preceding the levy, where necesor Territory having a seal, or a Commissioner of Mon- sary for the support of the family, are also exempt.
tana.
Only married persons or the heads of families can
ASSIGNMENTS AND INSOLVENCY. There is no general claim the exemption under the Homestead claim.
INTEREST. There are no laws fixing or limiting the
law permitting an assignment by an insolvent, except
when he has been arrested in an action, when he may rate of interest. Ten per cent. per annum is collectaassign his property to receive his discharge.
ble on bonds, bills, promissory notes, or other instruATTACHMENTS. An attachment may be sued out at ments in writing after they become due, and on judgthe time of issuing the summons, or at any time after- ments from date of rendition ; also on money lent,
ward, before judgment, upon the creditor, or some one money due on settlement of accounts and ascertaining
in his behalf, making affidavit, showing that the debtor the balance due ; on money received for the use of
isowingthe creditor upon a contract, express or implied, another and retained without the owner's knowledge ;
for the payment of money, or property, then due, which and on money withheld by an unreasonable and vexais not secured by a mortgage, lien or pledge upon real tious delay. In all cases other than those enumerated ,
or personal property, stating the amount of the indebt- the party seeking to recover interest must show that
edness, (as near as may be) . Before the attachment it was due and that the detention of it was by an uncan issue, an undertaking on the part of the creditor reasonable and vexatious delay which must be alleged .
must be executed and filed in a sum not less than
JUDGMENTS are a lien from time of docketing on all
double the amount claimed. Any person indebted to, real property of debtor within the county, and on all
or having possession of property belonging to a judg- which may be afterward acquired by him, lien expiring
ment debtor, may be compelled by summary order of in six years . A certified transcript filed with the Recourt to apply the same on account of the judgment. corder of another county extends the lien to such
Arrest in civil cases may be had in cases of fraud, or county.
where the action is for willful damage to person, charLIMITATIONS OF SUITS . Upon contract or account not
acter or property, or in actions for fine or penalty, or in writing, two years; contracts, obligations or instrufor money fraudulently misappropriated by a public ments in writing, judgments and decrces of any court,
officer or fiduciary agent, or where defendant has six years . Revivor: Part payment, acknowledgment
removed or disposed of his property, or is about to do or promise in writing.
so with intent to defraud creditors.
MARRIED WOMEN can conduct business separate and
COURTS. Terms and Jurisdiction. Territorial Dis- apart from their husbands, with their separate proptrict Courts holding two terms a year in each county, erty. Their separate property is exempt from all debts
(three in Deer Lodge county, ) have original jurisdiction and liabilities of their husbands, unless for necessary
in all civil cases where above $50 are involved. Probate expenses of her family and children, but a list of such
Courts are held in each county, with regular probate separate property must be filed in the office of the Reterms on the first Monday in January, March, July, corder of the county.
MORTGAGES. Chattel mortgages must be recorded
September and November. They have also jurisdiction within the county in civil actions up to $500, except within the county, and are good for one year only.
where land titles are concerned, and are always open
NOTES AND BILLS OF EXCHANGE. Foreign and inland
for civil business. Justice's jurisdiction, $ 100.
bills of exchange and promissory notes are negotiable,
EXECUTIONS issue at any time within five years, and and commercial paper is subject to the law merchant as
to any county, and are made returnable in not less than to protest, grace, etc.
SUITS. Practice is under a Code similar to that of
ten nor more than sixty days. Personal property is
first levied on, and is sold after five days notice. California. Where defendant is non-resident, evades
There is no stay law. Six months are allowed for re- service, or can not be found, service may be had by
demption of real property sold under execution.
publication.
60
COMMERCIAL LAWS.
NEBRASKA.
ACKNOWLEDGMENTS may be made within the State both husband and wife or an unmarried claimant). It
before Judges, Clerks of court, Justices of the Peace, debtor has no lands he may claim $500 worth of personand Notaries Public . Elsewhere within the United al property. Clothing, necessary furniture, supplies for
States, before a Commissioner appointed by the Gov- family for six months, certain domestic animals, tools,
ernor of this State for that purpose, or before any offi- implements of trade, etc., are exempt, also sixty days'
cer appointed according to the laws of the State or wages of any laboring man or clerk."
INTEREST. Legal interest is 7 per cent. per annum,
Territory wherein the deed or other instrument in writing is executed and acknowledged. Deeds executed in or any rate on express contract not greater than 10 per
foreign countries may be made according to the laws cent., and in advance if so contracted for. Judgments
thereof and acknowledged before any Notary Public , and decrees for the payment of money, 7 per cent., if
or ministerial officer, commercial agent, or Consul, not specified; but, if contracted for, they bear interest at
appointed to reside therein.
a rate not exceeding the amount allowed by law. UnASSIGNMENTS AND INSOLVENCY. There is no insolv- settled accounts bear interest after six months from
ent law. Assignments for benefit of creditors are date of last item. The penalty for usury is to proregulated by Act of Feb. 19 , 1877, under which assignee hibit the recovery of any interest on the principal,
must file sworn inventory of assets in District Clerk's or of any costs in the action . The principal can be reoffice within thirty days, and must give bond to faith- covered.
JUDGMENTS of courts of record (except County
fully execute his trust. Court appoints appraisers, and
has general supervision of all proceedings. All assign- Courts, ) are liens on the debtor's lands within the county
ments are general in their character, and conditions for five years from the first day of the term at which they
for the payment of such creditors only as shall execute are rendered; confessed judgments from the date of
a release are void. Assignee must give bond in double confession. If execution is issued within five years,
the amount of the appraised value of the estate as- then five years after the date of last execution .
LIMITATIONS TO SUITS. Upon verbal contracts, exsigned. Any preference by assignment (except for
payment of wages of labor not exceeding severally press or implied, four years ; specialty or promise in
$ 100) is void. If the assignment is not recorded in the writing, or foreign judgments, five years ; real actions ,
County Clerk's office within thirty days after its exe- ten years. Revivor: Part payment or an acknowledg
cution, it is void as to creditors of assignor and bona ment, or any promise to pay in writing. Absence of
defendant from State suspends statute.
fide purchasers.
ATTACHMENTS. Attachment process will issue when
MARRIED WOMEN. The property, real and personal,
which
any woman in this State may own at the time of
defendant is non-resident or a foreign corporation, when
the claim is on debt or demand arising on contract, her marriage, and any real or personal property which
judgment or decree; and in other cases when he is shall come to her by descent, devise, bequest or gift of
about to remove, assign or dispose of property, has any person, except her husband (excepting marriage
absconded, etc. In all cases of attachment an affidavit settlements), shall remain her sole and separate propmust be filed before the order of attachment issues, and erty, notwithstanding her marriage, and not be subject
a bond must be filed in double the amount of the debt, to the disposal of her husband, or liable for his debts.
excepting when the debtor is a non-resident of the She may bargain and sell and enter into contracts with
State. The body of the debtor may be attached for reference to any of her separate property in the same
fraudulently concealing or removing his property, or manner, to the same extent, and with like effect as a
when he has fraudulently contracted the debt or in- married man in relation to his real and personal propcurred the obligation for which suit is brought. Gar- erty. She may sue and be sued the same as if unmarnishee, process may be had either in aid of attachment ried, and carry on any trade or business , or perform
or execution.
labor on her sole or separate account, and her earnings
COURTS. Terms and Jurisdiction . District Courts are not subject to the husband's debts or control.
have original jurisdiction in all matters exceeding $100, But all of a married woman's obligations must relate to
and concurrent jurisdiction with Justice's and County her separate estate, or be incurred in the transaction
Courts where the debt is over $50 and not exceed- of her own trade or business. She can not become
ing $100 . Regular terms of County Court begin on endorser, surety or guarantor for another. Nor can she
first Monday of each calendar month, lasting to third be held liable for the debts of her husband, even
Monday, when all causes not disposed of go over to though specifically engaging to pay the same. Widow
the next regular term. By the constitution of 1875, takes dower or the use during her natural life, of oneCounty Courts are made courts of record, and given a third part of all the lands of which her husband was
of an estate of inheritance during marriage uncivil jurisdiction up to $1,000, and Justices of the Peace seized
are given a jurisdiction up to $200, but there has been less she is lawfully barred thereof. Husband takes
no legislation under these clauses. County Courts curtesy, or the use, during his life, of his deceased
wife's lands.
have full probate powers.
MORTGAGES must be recorded, and are foreclosed by
EXECUTIONS for the enforcement of judgment may
issue at any time. Executions on all judgments ren- suit. No redemption of lands sold under foreclosure.
dered by Justices ofthe Peace may be stayed as follows: Chattel mortgages are void against creditors and bona
On judgments of $ 5 and under, for the period of sixty fide purchasers unless the instrument, or a true c py
days ; on judgments over $5 and not exceeding $50, for thereof, is filed with the County Clerk, and cease to be
ninety days ; over $50 and not exceeding $ 100. for six valid against creditors, mortgagees, and purchasers in
months. In District Court stay of execution on judg- good faith, in five years from the time of filing. Chatments for money only (except error and appeal cases tel mortgages contain ng power of sale may be foreand against persons for money received in a fiduciary closed without proceedings in court Conditional Sales.
capacity or for breach of any official duty) may be had All sales, contracts or leases of personal property on
for three months where judgment does not exceed $50; condition are void against purchasers and judgment
six months over $50 and not exceeding $ 100 ; nine creditors of vendee or lessee, unless in writing, signed
months over $100 . Stay bond has the force and effect of by vendee, and copy filed in office of County Clerk , which
copy shall have vendor's affidavit of name of vendee,
a judgment confessed against the property of sureties . description
of property and true interest of vendor or
In all cases of stay of execution, an undertaking with lessor
therein. Such contracts cease to be valid in five
sureties must be entered into by the party desiring the
years
unless
re-filed thirty days before expiration thereof.
judgment,
of
the
payment
stay, conditional for the
does not apply to chattel mortgages.
costs, and interest at ten per cent ., excepting in cases This
NOTES AND BILLS OF EXCHANGE . All negotiable
of foreclosure of mortgages on real estate, and orders
for a specific performance where the title to real estate paper shall be entitled to three days grace and demand
is concerned, in which case no undertaking is required. on third day of grace or of acceptance, if the instruThere is no redemption, not even in cases of reversal of ment is a sight draft; and notice of non-payment or
non-acceptance thereof to the indorser, within a reasonjudgment.
EXEMPTIONS. Homestead not exceeding in value$2,000 , able time, shall be adjudged due diligence to hold the
consisting of the dwelling-house in which the claim- indorser, unless the indorsement shall express in writant resides and its appurtenances, and the land on which ing other conditions. Damages allowed on protested
the same is situated, not exceeding 160 acres if in the bills against drawer only ; domestic, 6; foreign, 12 per
country or two (2) contiguous lots in an incorporated cent. Jan. 1, Feb. 22, July 4, Dec. 25, and any day of
city or village, is exempt from judgment liens and from Fast or Thanksgiving appointed by the Governor of this
execution or forced sale (except on debts secured by State, or the President of the United States, (and when
mechanic's, laborer's or vendor's liens on the premises ; any one of these days shall occur on Sunday, then the
and on debts secured by mortgage thereon, executed by Monday following) shall be deemed public holidays, and
COMMERCIAL LAWS.
be treated as Sunday. Provided, that when any of these
days shall occur on Monday, any paper due on such
Monday shall be due and payable the day thereafter.
SUITS. The distinction between actions at law and
suits in equity has been abolished, and there is but one
form of action, known as a civil action, and commenced
by filing petition and causing summons to be issued
thereon. The code is very similar to that of Ohio. A
non-resident person or corporation having any interest
in land, may appoint an agent resident therein by instrument acknowledged as a deed filed with County
Clerk in the county where the land lies. Service in
such case is made upon the agent, as in other cases of
residents, and any publication of service against such
non-resident owner is invalid.
61
TAXES upon realty are a lien from and including
the 1st day of April in the year in which they are levied
until the same are paid, and become delinquent on May
1 of the following year. Taxes upon personalty become
a lien from the time the tax-books are received by the
Tax Collector, (Oct. 1, in the year in which they are
levied.) Persons holding tax-liens may foreclose the
same in same manner as a mortgage, any time within
five years from date of tax-sales. Redemption from
tax-sale may be made at any time within two years from
sale, upon payment of principal sum and interest at
20 per cent. per annum, and the limitation of recovery
is three years from date of tax deed .
NEVADA.
ACKNOWLEDGMENTS may be taken within the State California [see ante] , except that when redemption is
real estate, 18 per cent. must be paid in addiby a Judge or Clerk of a court having a seal, or by a made ofpurchase
money.
to
Justice of the Peace or Notary Public. If without tion
EXEMP
TIONS
. Homestead, $ 5,000. Personal and
Judge
by
a
States,
United
the State, but within the
or Clerk of a court having a seal, or some Notary mining property, tools, implements, etc., exempt same
Public or Justice of the Peace, or by any Commissioner as in California [ which see].
INTEREST. The legal rate is ten per cent. per annum,
appointed by the Governor of this State for that purpose. Provided, that when the acknowledgment is but parties may contract in writing for the payment of
taken by a Justice of the Peace, the same shall be any other rate. After a judgment on such a contract,
accompanied by the certificate of the Clerk of a court only the original claim shall draw interest.
of record of the county, having a seal, as to the official
LIMITATIONS OF SUITS . Open or store account and
character of the Justice and the authenticity of his contract not in writing, two years ; upon contract or
signature. If without the United States, by some instrument of writing, four years ; recovery of mining
Judge or Clerk of any court of any State, Kingdom or claims, two years ; real actions, or judgment or decree
Empire having a seal, or by any Notary Public therein, of any court,five years. The above applies to contracts
or by any Minister, Commissioner or Consul of the before March 2d, 1877 ; to contracts since that date (the
above periods), two years extended to four, and four
to reside therein .
States, appointed
United
ASSIGNMENTS
AND INSOLVENCY. Insolvent debtors and five respectively to six years. Revivor : Acknowlmay be discharged from their debts by complying with edgment or new promise in writing.
provisions of Insolvent Laws : An assignment of inMARRIED WOMEN. All property of the wife, owned
solvent debtor, not in compliance with Insolvent Laws , by her before marriage, and that acquired afterwards by
is void as to creditors.
gift, bequest, devise or descent, her separate propATTACHMENTS. Writ of attachment may be issued erty ; all other property acquired during coverture by
with summons, or at any time afterwards on affidavit husband or wife, common property, but controlled by
and bond: In an action upon a contract for the direct husband.
MORTGAGES must be recorded. No mortgage of perpayment of money, made, or by the terms thereof payable, in this State, which is not secured by mortgage, sonal property is valid unless possession is delivered to
lien, or pledge upon real or personal property, situated and retained by the mortgagee, except that growing
or being in the State; if so secured, when such secu- crops may be mortgaged by the execution, acknowledg
rity has been rendered nugatory by the act of the ment and recording of a mortgage instrument without
defendant; or in an action upon a contract against a such possession. Mortgages of real estate can only be
foreclosed by action for foreclosure.
defendant not residing in this State. Garnishee process
may be had in aid of attachment. A fraudulent or abNOTES AND BILLS OF EXCHANGE. Protest and notice
sconding debtor, or one who conceals his property,or re- will hold the indorser, and the general statute of limitamoves or disposes of it with intent to defraud his credit- tion, six years, is the limitation of the right of action.
ors, may be arrested on affidavit of the fact made ; sure- Fifteen per cent. damages are allowed on domestic, and
twenty per cent. on foreign bills protested. Grace is
ty in not less than $500 being given by the plaintiff.
COURTS . Terms and Jurisdiction. District Courts, not allowed on sight drafts.
SUITS. Practice is under a Code, and there is but one
holding two to four terms a year in each organized
county, have original jurisdiction in all cases in equity, form of action, known as a civil action , and commenced
also in law, when the title or possession of land or by filing complaint with the Clerk of the court, and the
mining claims may be involved, or legality of any tax, issuance of a summons. Service on non-residents may
etc., also in actions to foreclose mechanics ' lien; and be had by publication.
in all cases in which the demand, exclusive of interTAXES are a lien upon the property assessed and the
est, or the value of the property in controversy ex- real estate of the owner thereof from the third Monday
ceeds $300 : also in all cases relating to estates of of April in each year. Suits for delinquent taxes may
deceased persons, and persons and estates of minors, be commenced by direction of the County Commissioninsane persons, etc. Justice's jurisdiction, $300.
ers, and there is redemption of real estate sold at tax
EXECUTION- Stay of Execution ; Judgments. The sale in the same manner as realty sold under ordinary
laws of Nevada on these points are similar to those of execution.
NEW HAMPSHIRE .
ACKNOWLEDGMENTS of deeds or other conveyances of
real estate must be made before a Justice, Notary
Public or Commissioner, or in foreign countries before
a Minister or Consul of the United States . The signature of the grantor must be attested by two or more
witnesses.
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
Assignments must be for benefit of all creditors alike,
and assent of creditors is presumed after thirty days.
Assignee must, within ten days, file schedule of assets
and liabilities, and all claims must be certified under
oath within six months. Dissenting creditors take no
benefit under the assignment, but retain their claims,
and whatever liens they have obtained upon the property.
ATTACHMENTS of all real and personal property may
be made on the original writ, and constitute a valid lien
on the property for thirty days after judgment, within
which period the execution must be levied to preserve
and perfect the lien. All attachments take precedence
in order of priority, except in case of liens of builders ,
contractors, etc., when they take precedence in the
order of priority of the lien. Trustee process (analogo is
to garnishment in other States) may be used to reach
money or credits of the defendant in the hands of another. Save as against claims for necessaries the wages
of the defendant up to $20 are exempt from such process. In actions on contracts where debt exceeds
$13.33, defendant may be arrested on affidavit of plaintiff that he (defendant) has concealed his property or is
about to leave the State to avoid payment of his debts.
COURTS. Terms and Jurisdiction . Supreme Court,
holding from two to four terms a year in each county,
has original jurisdiction of all actions involving over
$13.33, or where the title to real estate is in question,
and full equity powers. There are Probate Courts
with the usual jurisdiction in every county. Justices
of the Peace have jurisdiction up to $13.33. Police
Courts have jurisdiction to the amount of $100.
EXECUTIONS may be taken twenty-four hours after
62
COMMERCIAL LAWS.
judgment, and are returnable before Justice's and
Police Courts in sixty days ; before Supreme Court, at
the next trial term of court. A review may be granted
by the court when injustice appears to have been done
through accident, mistake or misfortune. Real property taken under execution may be redeemed within
one year.
EXEMPTIONS. Homestead to the value of $500 ; necessary apparel and bedding and household furniture to the
value of $100, Bibles and school books in use in the
family, library to the value of $200 ; oue cow, one hog,
and one pig, and pork of same when slaughtered; tools
of occupation to the value of $100 ; six sheep and their
fleeces, one cooking stove and its furniture, provisions
and fuel to the value of $50, and one sewing machine ;
beasts of the plow not exceeding one yoke of oxen, or
a horse, and hay not exceeding four tons.
INTEREST. At the rate of six per cent. per annum,
unless a lower rate is stipulated. If any person, upon
any contract, receives interest at a higher rate than six
per cent. , he forfeits three times the excess to the person aggrieved and suing therefor; but no contract is
invalidated by reason of any stipulation for usurious
interest; the money actually advanced may be recovered
with
legalofinterest.
all judgments
is at
Interest upon
the rate
six per Interest
cent. perupon
annum.
unpaid taxes is at the rate of ten per cent. after the 1st
day of December following their assessment, until sale
of property taxed, and twelve per cent. thereafter until
time of redemption. Upon current accounts interest
commences from date of demand for payment, unless
controlled bythe custom of trade, which is a question
of fact to be determined by a trial thereof.
LIMITATIONS OF SUITS . Accounts and simple promissory notes, six years after maturity; judgments, sealed
instruments, and notes, secured by mortgage, twenty
years. Time of debtor's absence from the State is
excluded. Verbal acknowledgment and promise to pay
is sufficient to revive the debt.
MARRIED WOMEN retain all property owned by them
NEW
ACKNOWLEDGMENTS of deeds are made within the
State before the Chancellor or a Justice of the Supreme
Court, a Master in Chancery, Judge of the Court of
Common Pleas, or Commissioner of Deeds. Without
the State, before a Justice of the Supreme Court of the
United States, or a District Judge of the same, or a
Judge or Justice of the Supreme or Superior Court of
the State, District, or Territory, or before any Mayor or
Chief Magistrate of any city, or before a Judge of the
Court of Common Pleas, or County Court of such State,
District, or Territory, or Commissioner for New Jersey,
or any officer authorized by the laws of the State to take
the acknowledgment of deeds for lands lying in that
State. In case the acknowledgment is made before a
Mayor or chief magistrate, the certificate must be attested by the seal of the city ; if before a Judge of the
Court of Common Pleas or County Court,or other officer,
it must be attested by seal of such court, and certified by
the Clerk of the court. In foreign countries acknowledgment or proof may be made before any court of law,
Mayor, or chief magistrate, or any Ambassador, Consul,
or other representative of the United States.
ASSIGNMENTS AND INSOLVENCY. The insolvent laws
provide for the discharge of a person under arrest for
debt or damages on his delivering up all his real and
personal property to his creditors. Assignments by
debtors for the benefit of creditors must be without
preference, and all others are void. Debtor must annex
sworn inventory. Wages of servants, clerks, and laborers up to $300 are preferred claims . Assignee must
file list of creditors at the end of three months, and
make dividends at the next term of court. Creditor not
presenting claim does not share in the dividend, but retains his right of action against the debtor.
ATTACHMENT. A creditor may attach the property of
a non-resident or absconding debtor by making oath to
the fact, and to the amount of his claim, before any
officer authorized to administer oaths or affirmations.
Attachments are for the benefit of all applying creditors. Debts not due may be proved under any attachment issued, and receive their pro rata dividend. No
attachment can issue against the members of a copartnership, where one of them resides in the State. Garnishment can be effected only in attachment cases.
Discovery in aid of, where executions have been
returned unsatisfied, if the sum due on a judgment
amounts to $50 or upwards, the Court out of which
said executions issued may, on application of the
before marriage, or acquired afterwards in any way
except through property of the husband, to their sole
and separate use, as if unmarried. All their contracts
in relation to such property are valid and binding, and
all their other contracts are binding, except those
made with their husbands, or as sureties or guarantors
fortheir husbands , or for and in behalfof theirhusbands .
Upon the death of wife, the husband is entitled to substantially the same share of her estate as she would be
of his estate in case of his death. They are liable for
debts contracted while single, and their property may
be attached to pay them. They are also liable for their
torts before marriage in relation to their separate property. The husband is not liable for the wife's antenuptial debts, and can not convey his improved real
estate so as to bar his wife's right of dower and homestead without her consent. Married women of the age
of twenty-one years may dispose of their property by
will.
MORTGAGES must be recorded, or in case of chattel
mortgages possession must pass to and remain in the
mortgagee.
NOTES AND BILLS OF EXCHANGE. Demand notes
must be protested within sixty days from day of their indorsement to hold indorsers. All negotiable paper, save
that payable on demand, is entitled to three days of
grace, and all such paper maturing on Feb. 22, May 30
or July 4, or on the following day if either of these
days occur on the Sabbath, or on Sunday, Thanksgiving, Fast, or Christmas day, is due and payable on the
next preceding day, not being one of these days, and
must be so noted and protested.
SUITS. If either party resides in this State an action
should
resides.be brought in the county in which one of them
TAXES become a lien upon the realty simultaneously
with their assessment (April 1, ofeach year.) One year
is allowed in which to redeem land sold for taxes, costs
of sale and interest at the rate of twelve per cent. per
annum being added.
JERSEY.
judgment creditor, make an order compelling the
debtor to appear before the officer named and make
discovery on oath concerning his property. The judgment creditor shall present to the Court a petition verified by oath in which he shall state the amount due on
said execution, the return made, and his belief that the
debtor has property in his own right over and above
that which is reserved by law. Arrest on a capias can
only be had in case of fraud or attempted removal or
disposal of property with intent to defraud creditors.
COURTS. Terms and Jurisdiction. Circuit Courts
and Courts of Common Pleas, holding three terms a
year in each county, have jurisdiction in all civil cases
above $100, except that the Court of Common Pleas has
no jurisdiction where title to lands comes into question.
The Supreme Court, holding three terms a year at
Trenton, has also original jurisdiction in all cases, but
must recover $200 to carry costs. Court of Chancery
has exclusive equity jurisdiction, and sits at Trenton
three times a year. Justice's jurisdiction, $200. The
Court of Errors and Appeals has no original jurisdiction, but hears appeals from Court of Chancery, and
writs of error from Supreme Court and Circuit Courts .
EXECUTIONS issue immediately upon a rendition of
judgment, and are returnable to the next term of court.
A sale under execution, issued upon a junior judgment, discharges the lien of prior judgment, and the
purchaser takes clear title, providing there has been
no execution issued under the prior judgments and no
levy taken. The proceeds are applied to the payment
of the execution upon which the sale is had. There is
no stay of execution, except on those which are issued
out of Justice's Courts. In these courts thirty days
are allowed on sums up to $ 15 ; three months up to $60,
and six months on all sums over $60, by debtor giving
good security. There is no after redemption sale in
any case.
EXEMPTIONS. The lot and building thereon, owned
and occupied by the debtor, being the head of a family,
to the value of $1,000, providing that in the debtor's
deed it is set out that the property is intended for a
homestead, or else that notice to such effect is filed in
the County Clerk's office. Personal property to the
amount of $200, besides wearing apparel, owned by a
resident head of a family, appraised by three persons
appointed by the sheriff; and the widow or administrator of a deceased person may claim the same exemption of $200 as against the creditors.
COMMERCIAL LAWS.
INTEREST. Legal interest on debts and judgments,
six per cent. Usury is punishable by forfeiture of all
interest and costs. Interest on an open account accrues
on each item from its date, as at common law.
JUDGMENTS become a lien on lands from time of
actual entry, and so remain for twenty years. Where
there are several judgments , that under which there is
a prior levy takes priority. Judgments recovered or
docketed in the Supreme Court, are a lien on all lands
of defendant within the State.
LIMITATIONS OF SUITS . Contracts not under seal six
years ; real actions and judgments, twenty years ; notes
secured by mortgage and contracts under seal, sixteen
years. Revivor : Part payment or new promise or acknowledgment in writing.
MARRIED WOMEN hold and control their property,
real and personal, precisely as if unmarried. But a
married woman can not become an accommodation indorser, guarantor, or surety, nor can she convey or incumber real estate without her husband. A married
woman may make a will of her separate estate as if she
were sole, but can not defeat her husband's interest in
her real estate, although she can make absolute disposition of her own private personal property without
regard to her husband. Widow takes dower in onethird of real estate of which her husband was seized at
any time during coverture, to which she has signed no
deed of release.
MORTGAGES must be under seal, and the wife must
join. Foreclosure is by suit in equity, and there is no
redemption after sale under the decree. Chattel mortgages, unless accompanied by immediate delivery and
followed by continued change of possession of things
63
mortgaged, are absolutely void as against creditors and
subsequent bona fide purchasers and mortgagees, unless
said mortgage has been acknowledged or proved according to law, and recorded in a book for that purpose.
Chattel mortgages must have an affidavit annexed,
setting out the interest of the mortgagee, consideration of the mortgage, and the amount due and to
grow due thereon ; said affidavit to be made by the
holder, must be acknowledged and recorded.
NOTES AND BILLS OF EXCHANGE. Inland bills ofexchange are, in general, subject to the law of foreign
bills; they must be protested. Sight bills or drafts, except those on banking associations, have three days
grace. The action required to hold indorser is the
same as under the general mercantile law. Drafts and
notes due on a legal holiday are payable the day before
such holiday, and notice of non-payment may be given
the day after. But if the legal holiday (other than
Sunday) should fall upon a Sunday or Monday, bills are
payable on Tuesday, and notice may be given on
Wednesday. Legal holidays are : Sundays , Jan. 1,
Feb. 22, May 30, July 4, Dec. 25, Thanksgiving Day,
and all days on which a general election for members of
Assembly may be held. If any of these days happen
on Sunday, the holiday is kept Monday.
SUITS are commenced by writs of summons, capias,
warrant or attachment. Service by publication may
be made in equity only.
TAXES are a lien for two years from the time they become payable, and lands may be sold for taxes delinquent one year. There is a right to redemption for
one year after the time of sale.
NEW MEXICO..
ACKNOWLEDGMENTS of deeds are made, if taken in
the Territory, before any Judge or Clerk of a court of
record having a seal, or before a Justice ofthe Peace or
Notary Public. If made without the Territory, and
within the United States, before any United States
court, or any court of any State or Territory having a
seal, or before the Clerk or Judge of any such court, the
genuineness of the signature and official character of
such Judge to be certified to under the seal of his court
by the Clerk thereof, or before a Commissioner ofDeeds
for New Mexico.
ASSIGNMENTS AND INSOLVENCY. No insolvent law;
no statutory provision for voluntary assignments.
ATTACHMENTS. Creditors whose demands amount to
fifty dollars or more may sue debtors by attachment,
issued out of District Court; when debtor is non-resident of the Territory; when debtor has concealed himself or absconded, or absented himself from his usual
place of abode, so that ordinary process of law can not
be served upon him ; when debtor is about to remove
his property out of the Territory, or is fraudulently
concealing or disposing, or has concealed or disposed
of the same ; when debt is contracted out of Territory
and property secretly moved into the Territory; when
defendant is a corporation, whose office is out of Territory and not having agent in Territory, upon whom to
serve process ; when debt was fraudulently contracted
or credit obtained by false pretenses. Money or property due the defendant, and held by others, may be
collected by garnishment. Defendant indebted in an
amount exceeding $50 may be arrested on affidavit that
he is about to abscond. Plaintiff must furnish bond as
in case of attachment.
COURTS. Terms and Jurisdiction. District Courts
hold two terms a year in all the counties except Colfax
county, and have unlimited common law and chancery
jurisdiction. There are Probate Courts with the usual
powers, holding four terms a year. Justice's jurisdiction, $100.
EXECUTIONS may issue at any time within a year and
a day, and to any county in the Territory. From
District Courts are returnable in sixty days, and from
Justice's Courts in thirty days from date of issue. No
stay of execution except by appeal. The Supreme
Court may assess ten per cent. damages where appeal
is taken without reasonable cause. Real estate
sold under execution may be redeemed within one
year.
EXEMPTION. Real estate up to $1,000, where debtor
is head of family, and in such case also clothing, beds,
bed clothing, firewood for thirty days, Bibles, hymn
books, school books used by family, family pictures
and provisions not exceeding twenty-five dollars in
value, and furniture not exceeding ten dollars in
value . Tools and implements necessary for debtor to
carry on his trade not exceeding twenty-five dollars in
value.
INTEREST. The rate of interest is any amount that
may be agreed upon by the parties; but where none is
expressed, then the law allows six per cent. per annum.
All open running accounts bear six per cent. from six
months after the date of the last item. Judgments bear
the same rate of interest as the obligation or agreement
sued on when expressed in the judgment; otherwise
six per cent.
JUDGMENTS are a lien on real estate within the county
from date of docketing, and may be extended to other
counties by filing transcript with the Clerk of the
Probate Court.
LIMITATIONS OF SUITS. No limitation of action is
provided by statute, except that ten years adverse possession of lands under color of title bars all actions.
Infants, femes covert, persons of unsound mind, imprisoned, or beyond the limits of the United States, are
not within this statute.
MARRIED WOMEN retain the separate property which
they inherit, but it is managed by their husbands, and
they can convey their real estate only by joining in a
Ideed with their husbands
. The wife has no dower except her private property.
MORTGAGES. All deeds and papers affecting real
estate must be in writing, and duly acknowledged ; no
other statutory provisions exist. All personal property
except growing crops may be mortgaged . Instrument
or a true copy thereof must be filed of record, and must
be renewed within thirty days of the expiration of one
year.
NOTES AND BILLS OF EXCHANGE. No days of grace
are allowed on bills of exchange and promissory notes,
but if they fall due on a legal holiday or Sunday, they
are construed to fall due and become payable on the
next business day thereafter. Notes, bonds, due bills
and other instruments in writing, by which maker
promises to pay to another, or order, or bearer, any sum
of money, or property, or labor, or acknowledges money,
labor or property to be due, are assignable by indorsement or any other writing.
SUITS. All transitory actions must be brought in the
county where the plaintiff or defendant resides, or
where the contract is to be performed, or the cause of
action originated, or in any county where defendant
may be found within the judicial district in which he
has his residence. Suits to recover real estate must be
brought in the county where such real estate is situate.
Actions against non-residents or transient persons may
be brought in any county.
64
COMMERCIAL LAWS.
NEW YORK.
ACKNOWLEDGMENTS must be made, within the State,
before a Judge of a court of record, Surrogate, Notary
Public, Justice of the Peace, Mayor, Recorder or Commissioner of Deeds. (No special form, separate and
apart from her husband, etc. , now required for
married women.) If made without the State, they
may be taken by Judges of United States Courts,
Judges ofthe Supreme, Circuit or Superior Court of any
other State or Territory, within the jurisdiction of their
courts ; by the Mayor of any city, or by a New York
Commissioner. When made by any person residing out
of the State, and within any other State or Territory, they
may be taken before any officer of such State or Territory authorized by its laws to take acknowledgments.
ASSIGNMENTS AND INSOLVENCY. A debtor impris
oned on execution for a sum not exceeding $500 may be
discharged on making an assignment of his property,
and after three months imprisonment can obtain his
discharge, even though the amount be over $500. A
debtor may convey his property in trust for benefit of all
creditors; preferences being allowed. The Statutes of
1877-78 provide for accounting, etc. , by the Assignee.
ATTACHMENTS may issue in actions for damages for
breach of contract, wrongful conversion of personal
property, or injury thereto caused by negligence or
fraud, or where defendant is non-resident or has left
the State, or conceals himself to avoid service, or is
about to sell, assign, or secrete his property with intent
to defraud creditors . On a judgment, in any case , after
execution is returned unsatisfied, defendant and others
may be examined as to the judgment debtor's property
and required to apply any not exempt in payment.
COURTS. Terms and Jurisdiction. The Supreme
Court has unlimited jurisdiction . The Court of Common Pleas and the Superior Court of the City of New
York, the City Court of Brooklyn, and the Superior
Court of Buffalo, have jurisdiction to an unlimited
amount where the defendant resides within the territorial jurisdiction of the court, or is served with the summons therein, or where the cause of action arose therein.
The jurisdiction of the New York Marine Court is limited to $2,000, except in certain actions upon bonds, etc.
There is a County Court for each county, having jurisdiction to the amount of $3,000, in actions where the
defendant is , or if there is more than one, where all of
the defendants are residents of the county. Justices of
the Peace have jurisdiction in actions on contract where
the sum claimed does not exceed $200, and District
Courts of the City of New York, where the sum does
not exceed $250.
EXECUTIONS will issue at any time within five years
from date of judgment; after five years, leave must
be obtained . Executions may issue to two or more
counties at the same time. There are no stay laws.
EXEMPTIONS . Homestead, $1,000 ; necessary furniture, tools, team, etc., $250. Even in supplementary
proceedings, the judgment debtor can not be ordered to
apply upon the judgment his earnings for his personal
services within sixty days preceding the order, if such
earnings are necessary for the support of a family
wholly or partly supported by his labor.
INTEREST. The legal rate of interest (which was
formerly until January 1, 1880, seven per cent. ) is fixed
at six per cent. All notes, bonds, contracts, securities ,
etc., whereby a greater rate is reserved, or taken, or
agreed for, are absolutely void, and the lender can recover neither principal nor interest in such cases, but
corporations can not plead usury as a defense. Usury
is also punishable as a misdemeanor by fine or impris-
onment, or both. State banks have been placed on
the same footing as National banks as regards usury,
and are thereby exempt from the extreme penalties
mentioned above.
LIMITATIONS OF SUITS. Contracts , express or implied
except those under seal, six years ; recovery of
estate upon judgments of courts of record and sealed
instruments, twenty years. Revivor: Part payment or
new promise in writing.
MARRIED WOMEN can take, hold and convey real and
personal property, and may carry on trade in their own
names, and retain their earnings as their separate property. Liabilities may be enforced against a married
woman as follows : First, when created in or about
carrying on a trade or business of the wife; second,
when the contract relates to, or is made for the benefit
of her separate estate ; third, when the intention to
charge the separate estate is expressed in the instrument or contract by which the liability is created, [58
N. Y. Court of Appeals Rep. 80] . Widows have right
of dower.
MORTGAGES must be executed and recorded same as
deeds. Where containing a power of sale, may be
foreclosed by an action brought for the purpose without
intervention of court (by advertisement ). There is no
redemption under a mortgage sale. Chattel mortgages,
except where the possession of the property mortgaged passes to, and is retained by the mortgagee,
must be filed forthwith, or are void as against creditors
and innocent purchasers. Such mortgage ceases to be
valid in one year, except as to the mortgagor or his
representatives, unless a copy thereof is re-filed.
NOTES AND BILLS OF EXCHANGE. Bills of exchange
(foreign), drafts, checks, and promissory notes payable
to bearer, the maker or his order, or the order of any
third party, are negotiable. Three days of grace are
allowed on all except inland sight drafts. If not paid
when due they may be protested, and the certificate
of protest is prima facie evidence of presentation and
non-payment. To charge indorser, notice of non-payment must at once be given to him. January 1st, February 22nd, May 30th, July 4th, December 25th, any
general election day, and any day appointed or recommended by the President of the United States, or the
Governor of the State, as a day of thanksgiving or of
fasting and prayer, are holidays, and notes, bills , etc. ,
otherwise presentable for payment or acceptance on
one of such days, are presentable on the business day
next preceding such holiday. When either January
1st, February 22nd, May 30th, July 4th, or December
25th, falls on Sunday, the following Mond y is the holiday, and paper falling due on such Monday is presentable on the Saturday preceding.
SUITS in civil actions must be prosecuted in the
name of the real party in interest, except that an executor, administrator, trustee of an express trust, or
person specially authorized by statute, may sue in his
own name. The practice is under a Code, known as the
"Code of Civil Procedure."
TAXES . Lands may be sold for taxes when two years
delinquent. Publication of sale is made for twelve
weeks in the county paper, and two years are allowed
for redemption, the owner having the right to redeem
by paying the purchase money and interest at ten per
cent. per annum. A mortgagee (where the instrument
is duly recorded) has a similar right of redemption,
and upon filing a notice of his mortgage, its date, record, etc., with the Comptroller, is entitled to notice
before the tax-title can cut off his mortgage.
NORTH CAROLINA.
ACKNOWLEDGMENTS may be taken within the State
by any Judge or Clerk of a court of record, or any
Justice of the Peace or Notary Public. In other States
by any Commissioner appointed by the Governor of
this State, and Clerks of courts of record in such
States, and in foreign countries by a Mayor or other
Chief Magistrate, or any Minister, Consul, or Commercial Agen of the United States.
ARREST AND BAIL. Defendant may be arrested in a
civil action in the following cases:
1. In an action arising on contract where defendant
is a non-resident of the State, or is about to remove
therefrom with intent to defraud his creditors, and in
an action for the recovery of damages on a cause of
action not arising out of contract, where the action is
for injury to person or character, or for wrongfully taking, detaining or converting property.
2. In an action for a fine or penalty, or for money
received, or for property embezzled or fraudulently misapplied, by a public officer or by an attorney, solicitor
or counselor, or by an officer or agent of a corporation
or banking association , in the course of his employment
as such, or by any factor, agent, broker, or other person
in a fiduciary capacity; or for any misconduct or neglect in office, or in a professional employment.
3. In an action to recover the possession of personal
property unjustly detained, where the property, or any
part thereof, has been concealed , removed or disposed
of, so that it can not be found or taken by the sheriff,
and with the intent that it should not be so found or
taken ; or with the intent to deprive the plaintiff of the
benefit thereof.
4. When the defendant has been guilty of a fraud in
contracting the debt or incurring the obligation for
which the action is brought, or in concealing or disposing of the property for the taking, detention or conver-
COMMERCIAL LAWS.
sion of which the action is brought; or when the action
is brought to recover damages for fraud or deceit.
5. When the defendant has removed or disposed of
his property, or is about to do so, with intent to defraud his creditors.
Provisions of the act do not apply to proceedings for
contempt, and no female shall be arrested in any action,
except for willful injury to person, character or
property.
ASSIGNMENTS AND INSOLVENCY. An insolvent debtor may be discharged by filing petition and making assignment of property to a trustee for benefit of all creditors. But his subsequently acquired property (not exempt) is liable for the satisfaction of his debts. No
creditor not having received notice is bound by the discharge. Any creditor may suggest fraud, and on fraud
or concealment being found by jury, judgment will be
that debtor be imprisoned until a full and fair disclosure of all his money, property or effects be made.
Voluntary assignments are only good against creditors
from registration. A debtor may in an assignment prefer one creditor to another.
ATTACHMENT process may issue against the property of a non-resident debtor, or one who has departed
from the State to defraud his creditors or to avoid the
service of a summons, or keeps himself concealed
therein with like intent; or against a foreign corporation, or if such person or corporation has removed , or is
about to remove, any of his or its property from this
State with intent to defraud his or its creditors, or has
assigned, disposed of, or secreted , or is about to assign,
dispose of, or secrete any of his or its property with
the like intent, whether such debtor is a resident of this
State or not. The creditor procuring warrant of attachment must, within ten days, file affidavits in the Clerk's
office, or before a Justice of the Peace, if the warrant
is taken out in his court, stating the grounds on which
the warrant of attachment is asked. The creditor is
also required to give good bond and security for costs
and damages in case the proceeding by attachment is
wrongful or oppressive. Garnishee process is not known
under the statute. In actions arising on contract for
recovery of money only, or in an action for the wrongful conversion of personal property, attachment process
may issue at the time or after the issuing of the summons. Service of summons must be made personally
or commenced by publication within thirty days after
obtaining warrant of attachment. Within thirty days
after obtaining such warrant from a Justice of the
Peace, plaintiff shall cause publication thereof to be
made for four successive weeks.
COURTS. Terms and Jurisdiction. Superior Court,
holding two terms a year in each county, has exclusive
original jurisdiction in all civil actions involving over
$200. In some counties four terms a year are held, but
only two of them are appearance terms. The Clerk of
the Superior Court is Judge of Probate. Justice's
jurisdiction, $200.
EXECUTIONS from Superior Court may issue immediately after the term at which judgment was rendered,
and are returnable at the next term. Issue as of course
at any time within three years after rendition of judgment; after three years have elapsed, issue only upon
notice and leave obtained. From Justice's Courts they
issue at once ; returnable in sixty days . Stay of execution is granted as follows : Under $25, one month; $25 to
$50, three months ; $50 to $100, four months ; above
$100, six months. There is no redemption on property
sold on execution or mortgage.
EXEMPTION. Every homestead , and dwellings and
buildings used therewith, not exceeding in value $1,000,
to be selected by the owner thereof; or in lieu thereof,
at the option of the owner, any lot in any city, town or
village, with the dwellings used thereon, owned and
occupied by any resident of the State, and not exceeding the value of $1,000. Personal property of the value
of $500 . This law does not apply to debts contracted
prior to Aug. 20, 1868, or to taxes, payment of purchase money or laborers' or mechanics ' lien. The exemptions allowed when debt was contracted prior to
August 20, 1868, are those that were in force at the time
the debt was contracted.
INTEREST. Six per cent. is the prescribed usual rate.
65
Eight per cent. may be stipulated for in writing. Rate
on judgments and open accounts , six per cent., unless
parties contract for higher rate up to eight per cent. ,
which they may do. Taking-knowingly-a greater
rate of interest, is forfeiture of the entire interest, and
in case a greater ra e has been paid, the person who has
paid it, or his legal representatives, may recover back,
in an action in the nature of an action of debt, twice
the amount of interest paid. Interest, if not paid when
due, bears simple interest -- " starts on a career of its
own.
JUDGMENTS in the Superior Court are a lien from the
time they are docketed , on all real property of defendant within the county, and can be transferred to other
counties by filing transcript. Judgments from Justices'
Courts are not a lien until levy is made. Lien continues
ten years from time of docketing. Justice Court judgments may be made judgments of the Superior Court
in all respects by docketing them in said court.
LIMITATIONS OF SUITS . Actions on accounts and contracts not under seal must be commenced in three years,
and on a note under seal must be commenced within
ten years, or the statute of limitation may be pleaded
against recovery. In cases of fraud or mistake cause of
action does not accrue until the discovery by the aggrieved party of the facts constituting such fraud or
mistake.
REVIVOR. Part payment or new promise in writing.
MARRIED WOMEN retain their real and personal property acquired before or after marriage, as their separate
estate, not liable for the debts or obligations of their
husbands. But no woman under coverture, unless she
be a free trader, can make a binding contract, except
for her necessary personal expenses, or for the support
of the family, or for such as may be necessary in order
to pay her debts existing before marriage, without the
written consent of her husband. Widow's dower is
one-third in value of all the lands and real estate of
which her husband was seized during her coverture.
Statute also allows widow a " year's allowance " out
of the personal property of the husband .
MORTGAGES must be registered within the county to
be valid as against creditors or subsequent purchasers
for a valuable consideration . Mortgages are foreclosed
by action, except when a power of sale is given. Chattel mortgages and lien bonds must be registered.
NOTES AND BILLS OF EXCHANGE. Grace is allowed
on all drafts except those payable on demand. All bills
and notes bear interest from maturity, unless otherwise
stipulated. An indorser of a note is deemed a surety,
and no demand on the maker is necessary before commencing suit against surety or indorser, but this does
not apply to bills of exchange. Where a bill is drawn
or indorsed in this State upon any person or corporation
in any other of the United States or any of the Territories and is protested, it shall bear damages, viz ., three
per cent. on the principal sum. A bill or note may be
protested by a Notary Public, Justice of the Peace or
Clerk of a court of record. Bills of exchange and promissory notes- both those under seal and those notare negotiable ; and all notes and bonds with more than
one obligor are by statute joint and several. To
charge indorser of bill of exchange, notice of non-payment must be given him.
SUITS. Process in court must be served ten days
before first day of term. The action is commenced by
issuing a summons and filing a complaint in the Clerk's
office. Actions before Justices are commenced by issuing summons to be served on the debtor, which is made
returnable at some time and place within the county to
be designated by the Justice. Judgment can usually
be obtained in two days. Complaint must be filed in
courts of record within the first three days of term and
answer or demurrer within the term to which the summons is returnable. Pleadings before a Justice may be
either oral or written. Practice is under a Code known
as the "Code of Civil Procedure. "
TAXES. The Act of 1879 provides that the tax list
shall constitute a lien from June 1, of each year. Sales
for delinquent taxes are made after notice given. Delinquent may remain on the land one year, and may
redeem within that time by paying the amount bid by
the purchaser and twenty-five per cent. in addition.
OHIO.
ACKNOWLEDGMENTS may be taken by any Judge or
Clerk of a court of record, Justice of the Peace, Notary Public, Commissioner for Ohio, Mayor, or other
presiding officer of an incorporated city or town. When
executed, acknowledged and proved out of this State,
n accordance with the laws of the place where exe5
cuted, they will be as valid as if executed in this State.
Husband must join in conveyance of wife's property.
Two witnesses are required to attest signatures in all
matters affecting real estate. Instruments of conveyance between husband and wife must be signed, sealed
and acknowledged by husband and wife and attested
66
COMMERCIAL LAWS.
by two witnesses. Officer taking acknowledgment ufactured therefrom, or in lieu thereof household furnimust certify that he examined the wife separate and ture, to be selected by the debtor, not exceeding $ 15,
apart from her husband, and made known to her the and food for such animals for sixty days.
Third. Bibles, hymn books, psalm books, testacontents of the instrument, that she voluntarily signed,
sealed and acknowledged the same, and that she is still ments and school books used in the family, and all
satisfied therewith as her act and deed.
family pictures.
ASSIGNMENTS. An insolvent debtor may make an
Fourth. Provision actually provided and designed
assignment in trust for the benefit of creditors. Assignee for the use of such person or family not exceeding $ 50
must, within ten days after delivery of assignment to in value, and other articles of household or kitchen furhim, produce the original assignment , or copy thereof, in niture necessary for such person or family, not exceedthe Probate Court, file same and enter into a bond in ing $50 in value .
such sum and with such sureties as court shall approve.
Fifth. One sewing machine, one knitting machine,
Notice of appointment, for three successive weeks , and all the tools and implements of the debtor necesin newspaper of general circulation shall be given after sary for carrying on his or her trade or business,
bond entered into, and creditor shall within six months whether mechanical or agricultural, not exceeding $100
after publication of notice present claim with affidavit in value.
that said claim is just and lawful, the consideration
Sixth. The personal earnings of the debtor and of
thereof, and what, if any, set-offs or counter-claims his or her minor child or children for three months,
exist thereto ; what collateral or personal security, if when it is made to appear by affidavit that such earnany, the claimant holds for same, or that he has no ings are necessary for such person or family.
security whatever. Any surety or person jointly liable
Seventh. All articles, specimens aud cabinets of
with assignor is allowed to present and prove his claim natural history or science, except such as are intended
on which he is bound. Suit must be brought on rejected for show or exhibition for money or pecun ary gain.
claims within thirty days. Assignment made in conEighth. Every drayman, who is the head of a
templation of insolvency, with intent to prefer one or family, in addition to the above exemptions, shall
more creditors, inures to the benefit of all creditors. hold one horse, harness and dray exempt from
Assignment made with intent to hinder, delay or defraud execution . Every agriculturist who is the head of
creditors, shall be declared void at the suit of any cred- a family, in addition to the exemptions specified in
itor, and such assignment , after having been declared paragraphs one to seven inclusive, shall hold exvoid, or a preferred assignment , is cause for the appoint- empt from execution one horse or one yoke of cattle
ment of trustee. No assignment shall be construed to with the necessary gearing for the same, one wagon;
include property exempt, unless the exemption is and every practitioner of medicine, the head of a famexpressly waived. Preferred claims are: Taxes of ily, in addition to the exemptions specified in paraevery description assessed against assignor, and wages graphs one to seven inclusive, shall hold exempt one
for all labor performed by any one in the assignor's horse, one saddle and bridle, at d also books, mediservice within twelve months preceding the assignment , cines and instruments pertain ng to his profession, not
exceeding $ 100 in value.
not exceeding $300.
ATTACHMENT in a civil action for the recovery of
Every unmarried woman may hold the following prormoney may be had when defendant is non-resident or a erty exempt from execution, attachment or sale:
First. Wearing apparel not exceeding $100 .
foreign corporation, or has absconded or concealed
himself, or is about to remove, convert or assign, or has
Second. One sewing machine .
Third One knitting machine.
concealed his property with intent to defraud creditors,
or where the debt was fraudulently contracted. PlainFourth. A bible, hymn book, psalm book and any
tiff must give bond in double the amount at issue, other books not exceeding in value $25.
except where defendant is a non-resident, when a bond
Any beneficiary fund, not exceeding $5,000, set apart,
is not required . Defendant can be arrested in a civil appropriated or paid by any benevolent association or
action on all except the first two grounds given above. Society according to its rules and regulations to the
Garnishee process may be had in aid of attachment family of any deceased member, or to any member of
against any debtor of the defendant. A citizen of this such family, shall not be liable to be taken by any proState may be enjoined from prosecuting an attach- cess or proceedings, legal or equitable, to pay any debt
ment in another State against a citizen of this State, to of such deceased member .
subject to the payment of his claim the earnings of the
The regalia, insignia of office, jou'nals of proceedings,
debtor, which by the laws of this State are exempt from account books and the private work belonging to any
being applied to the payment of such claim.
benevolent society in this State, shall be exempt, etc.
COURTS. Terms and Jurisdiction. Justice's Courts
All property used by any municipal corporation or
have exclusive original jurisdiction of any sum not excompany for the purpose of extinguishing fire shall
ceeding $100, and concurrent jurisdiction with the fire
be
exempt, but the owner may create liens thereon by
Court of Common Pleas of any sum from $100 to $300. mortgage,
etc. Any resident being the head of a famSuperior Courts of Cincinnati, Cleveland and Dayton, ily and not the owner of a homestead, can hold other
have the same general jurisdiction in actions for debt personal property to be selected by him, and not apthat is exercised by the Courts of Common Pleas. Com- praised at over $500, in addition to the chattel property
mon Pleas Courts have original jurisdiction where the specified above. No exemption runs against claim
amount in controversy exceeds $ 100.
for labor amounting to less than $100. The above exEXECUTIONS issue from the Court of Common Pleas emption may be claimed by any one who has a family,
to any county. Execution against the person will only and by every widow, against whom an action is proseissue when the Judge of one of the Superior Courts is cuted in this State, whether such debtor is or is not a
satisfied of the existence of cause-such as concealment resident of this State.
of property by the debtor-or where debtor was arrested
HOMESTEAD . Husband and wife living together, a
before judgment and not discharged under the law. widow or a widower living together with an unmarLands levied on must be appraised by three disinterested ried daughter or unmarried minor son, may hold exfreeholders, and can not be sold for less than two-thirds empt from sale on judgment or order a family homeof such appraisement. Executions are stayed before
not exceeding $1,000 in value ; the wife may
Justices. by entering into a bond to adverse party stead
make demand if the husband refuse, but neither can
within ten days after rendition of judgment, on judg- make
such demand if the other has a homestead.
ments for $5 and under, sixty days ; $5 and under
INTEREST . The legal rate is six per cent. Parties
$20, ninety days ; $20 and under $50, 150 days ; $50 and
contract in writing for eight per cent. No penalty
upward, 240 days. No stay on judgment in favor of any may
is attached for the violation of the law. If a contract
person for wages due for manual labor performed.
for a higher rate than eight per cent., the conmade
is
EXEMPTIONS. Every person who has a family, and tract as to
interest is void, and the recovery is limited
every widow, may hold the following property exempt to the principal sum and six per cent. Interest is comfrom execution, attachment or sale for any debt, dam- puted upon judgments and decrees at the rate specified
ages, fine or amercement :
in the instrument upon which said judgment or decree
First. The wearing apparel of such person or fam- is rendered. Interest is not recoverable on open runily, beds, bedsteads and bedding necessary for the ning accounts, when there are no circumstances from
same, one cooking stove and pipe, one stove and pipe which an agreement to allow interest can be inferred,
used for warming the dwelling, and fuel for sixty days, and there has been no vexatious delay of payment.
actually provided, and designed for the use of such per- Open accounts draw interest after statement is made
son or family.
and account rendered. Interest from and after maSecond. One cow, or if the debtor owns none, house- turity may be allowed on items of wages or salary,
hold furniture to be selected by such debtor not ex- payable monthly.
JUDGMENTS are a lien on real property of defendant
ceeding $35in value; two swine or the pork therefrom ,
or if the debtor owns no swine, household furniture to within the county, which lien continues for five years.
be selected by such debtor not exceeding $15 in value ; If execution be not levied within one year from the
six sheep, their wool and the cloth or other articles man- rendition of the judgment, said judgment shall not
+
COMMERCIAL LAWS.
operate to the prejudice of any other bona fide judgment creditor.
LIMITATION OF SUITS upon contracts not in writing,
express or implied, six years ; specialty or any agreement in writing, fifteen years ; real actions , twenty
one years. An action may be taken out of the statute
by part payment, acknowledgment, or promise in
writing.
MARRIED WOMEN retain all their separate property,
real and personal , owned at marriage or acquired thereafter, with all the rents, incomes and profits thereof.
Wife can contract for the improvement, repair and cultivation of her real estate, and may lease the same for
not exceeding three years. A married woman engaged
in business may sue and be sued alone, and her separendered
rate property is liable for any judgment
against her. The husband must unite in all deeds and
mortgages of the wife's separate real estate. A widow
is entitled to dower in all real estate owned by her husband during her coverture. A married woman's separate property cannot be charged with her general engagements unless by a contract valid in law to bind
the same, or such facts as make it between the parties
just and equitable
A debt incurred by a married woman for her benefit
or that of her separate estate, and upon its credit, and
the giving of a note therefor, are facts from which a
court of equity may imply and enforce a charge against
such property .
MORTGAGES must be executed as deeds, and the
first mortgage recorded has the preference. Are
foreclosed by suit in the Court of Common Pleas, and
there is no redemption of lands sold under foreclosure.
Chattel mortgages, or a true copy thereof, must be
67
deposited with the Clerk of the township where
the mortgagor resides, and are void unless re-filed
within thirty days of the expiration of one year from
their execution, and annually thereafter.
NOTES AND BILLS OF EXCHANGE. All bonds, notes
and bills payable at a day certain after date, or after
sight, are entitledto three days of grace in the time of
payment. When the third day of grace is the first day
of the week, the demand shall be made on the next
preceding business day. The 1st day of January, the
4th day of July, the 25th of December, and any day appointed or recommended by the Governor of Ohio, or
the President of the United States, as a day of Fast or
is treated and considered as the first day
Thanksgiving,
ofthe week. When the 1st day of January, 4th day of
July, or the 25th day of December shall be the first day
of the week, the succeeding Monday is also treated and
considered as the first day of the week. When made
payable to order or bearer, they are negotiable by indorsement thereon, and vest the title thereof in indorsee.
SUITS. There is but one form of action, known as a
civil action, which must be prosecuted in the name of
the real party in interest, except as to administrators ,
trustees, etc. In certain cases service may be made by
publication.
TAXES are due on December 20 of each year, but the
party charged may at his option pay one-half then and
the remainder on or before June 20 following. Lands
delinquent for three semi-annual instalments are sold
by the County Treasurer. Owner can redeem within
two years by paying amount for which the land was
sold, all subsequent taxes and interest, and a penalty
of fifteen per cent. if redeemed within one year, and
twenty-five per cent. if within two years.
OREGON .
ACKNOWLEDGMENTS may be taken by any officer appointed by the laws of the State, Territory or district
where made, or before any Commissioner appointed by
the Governor of this State for such purpose, and unless
the acknowledgment be taken before such Commissioner, it must be certified by the Clerk or other proper
certifying officer of a court of record of the county or
district within which such acknowledgment was taken,
under the seal of his office, that the person whose name
is subscribed to the certificate of acknowledgment was,
at the date thereof, such officer as he is therein represented to be, and that he believes the signature of such
person subscribed thereto to be genuine, and that the
deed is executed and acknowledged according to the
laws of such State, Territory or district.
ASSIGNMENTS AND INSOLVENCY. There is no insolvent law, but every person confined in jail on an execution is entitled to his discharge at the end of ten
days, upon the conditions prescribed by law, and after
being once discharged the debtor is forever exempt
from arrest under that debt. An assignment does not
free the debtor from his liabilities, but a debtor may
prefer a creditor by confessing judgment, giving a
mortgage, or assigning specific property as security or
in payment. No general assignment made by an insolvent, or in contemplation of insolvency , for the benefit
of creditors, is valid, unless made for the benefit of
all creditors in proportion to the amount of their respective claims. An assignment has the effect to dissolve all attachments on which judgment has not been
entered at time of the assignment. Notice must be
given to creditors to present claims, and any creditor
may file objections to any claim and the court will pass
upon the objection. Debts to become due, as well as
as those already due, may be proved. Assignee has full
power to dispose of all estate, both real and personal,
and to distribute the proceeds pro rata among creditors.
A general assignment does not discharge the debtor
from liability.
ATTACHMENT process may be had when defendant is
a foreign corporation, or non-resident, or in actions on
contracts for the direct payment of money, where no
mortgage, lien or pledge was taken or created, or if the
debt was so secured, when the security has been rendered valueless by act of the defendant. Plaintiff must
give the usual bond in double the amount involved.
Debts owing defendant may be garnisheed. Defendant
may be arrested when not a resident of the State, or in
actions to recover personal property unjustly detained ,
or where the debt was fraudulently contracted, or defendant has removed his property with intent to defraud.
COURTS. Terms and Jurisdiction. Circuit Court is
held once a year in Curry, Columbia and Tillamook
counties, three times a year in Multnomah county,
(Portland), and Marion county, (Salem) , and twice
a year in other counties , and has unlimited civil
jurisdiction. There is a County Court in each
county, holding from four to twelve trial terms each
year, with full probate powers and civil jurisdiction
up to $500. Justice's jurisdiction, $250.
EXECUTION issues immediately, and is returnable in
sixty days in the Circuit Court; thirty days in all other
courts. Execution may issue at any time within five
years af er judgment. There is no stay law. Judg
ment debtor, or his successor in interest, or any creditor having a lien, may redeem real estate sold under
execution within sixty days of the confirmation of the
sale, and lien creditors may continue to so redeem
within sixty days of each sale, the last purchaser being
entitled to a deed.
EXEMPTIONS . There is no homestead law. Personal
property exempt includes books, pictures and musical
instruments to the value of $75; wearing apparel to
the value of $100, and if a householder, to the value of
$50 for each member of the , family; tools , implements ,
apparatus, team , vehicle, harness or library, when necessary in the occupation or profession of a judgment
debtor, to the amount of $400 ; if the judgment debtor
be a householder, ten sheep with one year's fleece, two
cows, five swine, household goods, furniture and utensils to the value of $300. No article of property is exempt from execution issued upon a judgment for the
purchase price.
INTEREST. Legal rate, ten per cent.; contracts may
be made in writing for twelve per cent. Usury works
forfeiture of principal and interest, but judgment will
be rendered against defendant for the principal of the
debt to be paid into the Common School Fund of the
county in which suit was commenced.
JUDGMENTS are a lien from the date of docketing on
all defendant's real property within the county or
counties where same is docketed, and on all which he
may subsequently acquire during the life of the judg
ment. If ten years are allowed to elapse without issuance of execution on the judgment the lien ceases.
LIMITATIONS OF SUITS. On contracts not under seal,
express or implied, six years ; on judgments or decrees
of any court and sealed instruments , ten years ; recovery real property, ten years. Revivor: Part payment
or new promise in writing.
MARRIED WOMEN retain their real and personal estate
owned by them at time of marriage or afterwards acquired by gift, devise or inheritance, free from the debts
and control of their husbands. A married woman may
make contracts in her own name, buy goods, and give
notes in settlement, and her real and personal property
may be sold to satisfy the same. She may dispose of
her real estate by will, subject to any rights which her
husband may have as tenant by the curtesy.
MORTGAGES are executed in the same manner as
68
COMMERCIAL LAWS.
deeds, and foreclosed by suit in equity. Chattel mortgages, or copies thereof, must be immediately filed with
the County Clerk, and cease to be valid as against
creditors or purchasers after the expiration of one year,
unless within thirty days next preceding the expiration of said year there is an affidavit made and filed
therewith, that the debt which it secures is unpaid and
the mortgage still in force.
NOTES AND BILLS OF EXCHANGE. Three days of grace
are allowed on all bills of exchange payable at sight or
on a day certain, and on all promissory notes where
not expressed to the contrary. The indorsers on a note,
when properly charged by protest, are liable as long as
the maker. Damages allowed on protested bills ; domestic, five per cent.; foreign, ten per cent.
SUITS. Practice is under a Code similar to that of
New York, but the distinction between law and equity
is retained. Suits and actions in the Circuit and
County Courts are commenced by filing a verified complaint with the Clerk of the court. Summons is served
by personally delivering to the debtor or leaving at his
residence, with a white person over fourteen years of
age, a member of his family, a copy of the summons and
a certified copy of the complaint, and if debtor does
not appear or answer within ten days, if served in the
county in which action is brought, or within twenty
days, if served in any other county in the State, the
creditor may take judgment. In case of non-resident
debtors who have property in the State, the court may
order service by publication of the summons.
TAXES. Lands sold for taxes may be redeemed within
one year, on payment of the purchase money and
twenty per cent. thereon ; within two years, thirty per
cent.
PENNSYLVANIA.
ACKNOWLEDGMENTS of deeds to be recorded in Penn- upon the money lent, nor to pay a reasonable attorney's
sylvania may be made before any Mayor, or chief mag- fee in case suit is brought for its collection. Interest is
istrate of any city or town incorporated (under the due upon every debt from the time it becomes due and
public seal, ) any Justice or any Judge of any court of payable. The rate is the same on all debts, whether serecord, Commissioner for Pennsylvania, or before any cured by judgment or not.
JUDGMENTS bind all the interest of defendant in real
officer appointed by the laws of the State where taken,
if certified by the seal of the Clerk of any court of estate within the county where thejudgment was entered,
record, that the officer taking such acknowledgment is and under the Act of March 23, 1877, a verdict of a jury
duly qualified by law to take the same.
for a specific sum (unless a new trial is granted) is also a
ASSIGNMENTS AND INSOLVENCY. There is no insolvent lien on real estate. Lien exists for five years, and
law, and no provision for the discharge of a debtor on may be continued by revival of the judgment. Justice's
his making an assignment. Voluntary assignments judgments become liens by filing transcripts in the
must be for the benefit of all creditors, but debtor may Court of Common Pleas.
LIMITATIONS OF SUITS. Contracts, notes, and instruprefer a creditor by confessing judgment or assigning
specific property as security or in payment. Assignee ments not under seal, six years ; judgments, mortgages,
and
sealed instruments, twenty years. Revivor : Acmust file an inventory and appraisement within thirty
days, and must settle his accounts and distribute the as- knowledgment, coupled with promise to pay ; promise
sets under the direction ofthe Court of Common Pleas. may be implied, if acknowledgment is plain, express,
ATTACHMENT. Property of resident debtors may be and nothing to negative such implication.
MARRIED WOMEN. All property of wife acquired
attached: When debtor is about to removehis property
out of the jurisdiction of the court in which the before or after marriage, held and enjoyed as her sepattachment is applied for, with intent to defraud his arate estate, but may be charged for necessaries concreditors; when he has property which he fraudulently tracted by her for her family. As a general rule, a
conceals; when he has disposed of or is about to dis- married woman can not make a valid contract, except
pose of his property. with intent to defraud his credit- for necessaries, or sell or convey her real estate without
ors; when he has fraudulently contracted the debt or her husband joining in the deed. She may make a will,
incurred the obligation for which the claim is made. subject to her husband's right as tenant by the curtesy,
In this attachment the creditor must make affidavit to and may transfer railroad stock, State or Philadelphia
prove one or more ofthe foregoing acts, and must give city loans, and loans or stock of any corporation created
bonds conditioned that, if he fails to prosecute his under the laws of Pennsylvania. She may also keep a
action with effect and to recover a judgment against bank account, and draw money on her own check, withthe debtor, he shall pay to the debtor all legal costs out consent of her husband, but her earnings belong to
and damages which the debtor may sustain by reason her husband, unless secured to her own use by order of
of said attachment. Attachment can also be had the Court of Common Pleas . Widow takes dower in
when defendant is non-resident. A defendant may be one-third of all lands owned by her husband during
arrested after suit brought, upon proof that he is about marriage.
to remove his property to defraud his creditors or has
MORTGAGES are executed and acknowledged same as
done so, or that he fraudulently conceals his property, deeds, and lien inheres from time of recording except
or that he fraudulently contracted the debt; he may be where given for purchase money, when the mortgage
committed unless he pays the debt, or gives security to is a lien from its date, if recorded within sixty days.
do so within sixty days, or gives bonds to take the Chattel mortgages may be given on mining property,
benefit ofthe insolvent law.
lumber, petroleum, iron and other articles specified ;
COURTS . Terms and Jurisdiction. Courts of Com- must be for not less than $500, and must be filed of
mon Pleas in the several counties have original juris- record. The lien thus created continues one year, and
diction in all sums over $ 100. Orphans ' Courts have must be revived within thirty days of the expiration of
full probate powers. Justice's jurisdiction, $300 . In that period, or it becomes void.
NOTES AND BILLS OF EXCHANGE . The Act of March
Philadelphia there are Magistrates with same civil
jurisdiction as Justices, whose place they supply.
30, 1875, allows days of grace on all bills of exchange,
EXECUTIONS may be issued as soon as judgment is drafts, promissory notes, and other negotiable instruobtained, or at any time within five years . The writ of ments, excepting sight bills and drafts, and checks on
execution is made returnable to the first Monday of the banks or bankers, whether payable on presentation or
following term ; but it is the duty of the Sheriff to upon some day or time subsequent to the date of issue.
make his levy at once, and he may proceed to sell per- Five to ten per cent. damages are allowed on domestic
sonal property upon six days notice, and distribute the bills, and ten to twenty per cent. on foreign bills proproceeds. Stay of execution can be taken, by giving tested.
SUITS may be commenced at any time. All writs are
security, on all sums of $200 and under, six months;
between $200 and $500 , nine months ; over $500, twelve returnable on the first Monday of each month except
months. The stay is computed from the return day of September, when it is the third Monday, and, if debtor's
the writ. There is no redemption of property sold residence is known, the writ can be issued as late as
under execution. [ See Act June 11, 1879, P. Laws, p.129. ] the Saturday before return day. A summons from a
EXEMPTIONS . No homestead law. Real or personal Justice of the Peace is returnable on a day named
property to the value of $300, in addition to wearing ap- therein, which must not be less than five nor more than
parel, Bibles, and school-books, and a sewing machine eight days after the date of the writ, and must be
are exempt, but the privilege is personal only and can served on the debtor at least four days before the date
be waived at any time.
fixed for the hearing of the case.
INTEREST. The legal rate is six per cent.; usurious
TAXES. Improved lands may be sold for taxes two
interest can not be collected, and if paid may be recov- years delinquent, but owner may redeem, within one
ered back, provided suit is brought therefor within six year after receiving actual notice, by payment of
months. Most of the savings banks are by special amount of taxes and costs due, with legal interest.
statute authorized to loan money at higher rates of in- " Unseated " lands may be sold for taxes delinquent
terest. Commission merchants and agents may con- one year, and are redeemable within two years by paytract with parties outside the State for seven per cent. ment of taxes and costs and twenty-five per cent. interIt is not usury for a borrower to contract to pay the taxes est thereon.
COMMERCIAL LAWS.
69
RHODE ISLAND.
ACKNOWLEDGMENTS. No estate of inheritance or
EXECUTIONS are returnable at the next term of court
freehold can be conveyed by deed unless the same be after they issue, and can only be stayed by order of the
signed, sealed, and delivered bythe grantor, and ac- court. There is no redemption of property sold under
knowledged before a Senator, Judge, Justice of the execution. In default of goods and chattels on which
Peace, Notary Public, or Town Clerk, and recorded in to levy, execution may issue against the body of the
the office of the Town Clerk where the lands lies . In- debtor in cases where fraud is alleged.
struments relating to lands within this State, executed
EXEMPTIONS . No homestead law. Necessary wearelsewhere in the United States, may be acknowledged ing apparel of debtor and his family; working tools,
before a Judge, Justice of the Peace, Notary Public, or not exceeding $200 ; and household furniture and family
before any Commissioner appointed by the Governor, stores, $300, are exempt from attachment and execuand duly qualified thereunto. In foreign countries tion, where the debtor is a householder.
INTEREST. The legal rate of interest is six per cent.
before a Minister, Consul, Vice-Consul, or other agent
of the United States, or any properly qualified Com- but any rate of interest agreed upon between the parmissioner within such country.
ties may be taken. Rates on judgments, notes, or
ASSIGNMENTS AND INSOLVENCY. There is no general open accounts, etc. , is six per cent., unless a different
insolvent law. Assignments for equal benefit of all rate be stipulated by the parties. Interest begins to
creditors are allowed; all preferences are void. Any run on accounts from the expiration of stipulated term
debtor whose property, real or personal, is attached may of credit, or at a time fixed by usage of trade.
JUDGMENTS are not a lien on real estate.
dissolve the attachment by a general assignment for
LIMITATIONS OF SUITS . Accounts, six years ; simple
the equal benefit of his creditors. Three or more creditors, representing, collectively, one-fourth in amount of promissory notes, six years ; sealed instruments and
all claims against any debtor, may, within sixty days of judgments, twenty years . An oral promise and partial
any attachment of his property, or any transfer by him payment revive the debt.
MARRIED WOMEN. The property of a married woman
of property in the way of preference, secure the setting
aside of such assignment and transfer and the appoint- is secured to her separate use, and is not liable for
ment of a Receiver to convert the debtor's property and debts of her husband. She can not transact business as
assets into money, and distribute equally among all a trader. The rights of dower and curtesy are fully precreditors . Such proceedings do not entitle the debtor served.
MORTGAGES must be executed in the same manner as
to a discharge, which is only obtained by actual release from each creditor.
deeds, and recorded [ see ante] . No chattel mortgage is
ATTACHMENT process will issue on creditor making good against purchaser or attaching creditor unless
affidavit as to his claim, and that debtor is a corpora- recorded, or the mortgagee has possession, or can prove
tion established out of the State, or has left the State actual notice.
and is not expected to return in season to be served
NOTES AND BILLS OF EXCHANGE . The Act of April
with process returnable to the next term of such court, 20, 1876, provide that " all bills of exchange drawn at
or has committed fraud in contracting the debt on sight, due and payable within this State, and in which
which suit is brought, or in the concealment or dispo- there is not a provision to the contrary, shall be allowed
sition of his property, or since contracting the debt on three days grace." And further, that " any person
which suit is brought, has been the owner of property upon whom a bill of exchange or draft is drawn which
or in the receipt of an income which he has refused or requires acceptance, shall have until 2 o'clock in the
neglected to apply toward the payment of said debt, afternoon of the business day next succeeding the first
though requested by the creditor so to do. Personal presentation thereof in which to decide whether or not
property of the debtor, (unless secured by bill of ex- he will accept the same ; provided, however, that all
change or negotiable promissory note), in the hands of bills of exchange or drafts which may be for cause held
any person, partnership, or corporation , is subject to over one day, shall, when accepted, date from day of
garnishment.
presentation." Legal holidays are July 4, Christmas,
COURTS. Terms and Jurisdiction . Court of Com- Feb. 22, (if coming on Sunday, the day following), May
mon Pleas has jurisdiction where the claim amounts to 30 ( if Sunday, the day preceding), and any day of Fast
$100 and upwards. Supreme Court has concurrent ju- or Thanksgiving appointed by authority.
risdiction with the Court of Common Pleas where the
Surrs . All actions and suits at law and in equity reamount claimed is $100 and upwards, excepting in the lating to realty, must be brought in the county where
county of Providence, where said Court has jurisdic- the land lies ; all other actions and suits, where plaintiff
tion concurrent with the Court of Common Pleas, ordefendant resides, or where defendant may be found .
where the amount claimed is $300 and upwards. JusTAXES are a lien on real estate, and lands may be
tice's jurisdiction , $100 . The Town Councils are Courts sold for taxes delinquent after due notice given.
of Probate within their respective towns , and the Mu- Owner, or his heirs or assigns, may redeem within one
nicipal Court of Providence is the Court of Probate year by paying purchase money with twenty per cent.
of that city. Any town may, however, elect a Probate in addition.
Judge at its annual election.
SOUTH CAROLINA.
ACKNOWLEDGMENTS. All deeds for the conveyance of
real estate must be signed and sealed by the grantor in
the presence of two witnesses and recorded within the
county in which the land lies . Acknowledgments of
deeds within the State can only be taken before Notaries Public and Trial Justices, and without the State by
a Commissioner of Deeds for South Carolina.
ASSIGNMENTS AND INSOLVENCY. An embarrassed
debtor may assign his property for the benefit of
creditors, who have the right to appoint an agent or
agents equal to the number of assignees. Where none
are appointed, assignee can act alone and must report
to creditors every three months. Assignee's compensation is five per cent. The assignment of all his property
by a debtor under arrest effects his discharge from such
arrest. Only the claims of creditors participating in
dividends are affected by these assignments.
ATTACHMENTS will issue in an action arising on contract for the recovery of money only, or in an action for
the wrongful conversion of personal property, against
a corporation created by or under the laws of any other
State, government or country, or against a debtor who
has absconded or concealed himself, or whenever any
person or corporation is about to remove any of his or
its property from the State, or has assigned, disposed
of, or secreted, or is about to assign, dispose of, or
secrete any of his or its property, with intent to defraud
creditors; the creditor, at the time of issuing the summons, or at any time thereafter, may have the property
of such debtor or corporation attached as a security for
the satisfaction of such judgment as the creditor may
recover. Proceedings in case of attachment are prescribed by the Code. Garnishee process can be had in
aid of attachment.
COURTS . Terms and Jurisdiction. Courts of Common Pleas are held three times a year in each county,
and have jurisdiction in all civil cases not cognizable
by the Trial Justices. There is a Probate Court in each
county, holding monthly sessions and possessing the
usual powers . Justice's jurisdiction, $ 100. Actions to
be tried in the county where land lies, or in which the
defendant resides .
EXECUTIONS may issue five days after the adjournment of each Court, and are returnable within sixty
days. Stay is only granted on appeal given . Executions may issue at any time within three years from
70
COMMERCIAL LAWS.
date of judgment. The Clerk shall not,without special
leave of the court, enter any judgment until the expiration of five days after the court has adjourned for the
term .
EXEMPTIONS . Homestead, $ 1,000. The homestead
right can not be waived or alienated. Personal property exempt includes household furniture, carts,
wagons, farming implements, and domestic animals up
to $500, and in addition thereto all necessary wearing
apparel.
INTEREST. Legal rate seven per cent. Usury forfeits
all interest.
JUDGMENTS are a lien on lands within the county for
ten years from the time of entry, which lien may be extended to other counties by filing transcript.
LIMITATIONS OF SUITS upon contracts not under seal,
sealed notes or personal bonds, six years ; judgments
or decrees of any court, and upon sealed instruments
(except as above), twenty years ; to recover real property,
ten years . Revivor: No statute ; as at common law.
MARRIED WOMEN. The real and personal property of
a married woman, whether held by her at the time of
her marriage or acquired thereafter, either by gift,
grant, inheritance, devise, purchase or otherwise, is
not subject to levy and sale for her husband's debts;
and a married woman can bequeath, devise or convey
her separate property in the same manner and to the
same extent as if she were unmarried. A married
woman can also purchase any species of property in
her own name and take conveyance therefor, and contract and be contracted with, in the same manner as if
she were unmarried.
MORTGAGES . All mortgages, whether of real estate
or chattels , must be recorded within sixty days. Mortgages of realty are foreclosed by ordinary suit of com-
plaint and summons, and chattel mortgages are enforced
by mortgagee taking possession of the goods and selling them. There is no redemption of property sold
under mortgage.
NOTES AND BILLS OF EXCHANGE. If drawn payable
at sight are entitled to days of grace. On all bills of
exchange drawn on persons resident within the United
States, and without this State, and returned protested,
the damages on such protested bill shall be ten per
cent. on the sum drawn for. On all bills drawn on persons resident in any other part of North America or in
the West India Islands, and protested, the damages
shall be twelve and one-halfper cent. On all bills drawn
on persons in any other part of the world, and protested, the damages shall be fifteen per cent.
SUITS. All distinctions between actions at law and
suits in equity have been abolished , and the Code of
Procedure is almost identical with that of New York.
Actions relating to real property or for the recovery of
specific personal property are brought within the county
where the land or property is situated . In all other
cases in the county of the defendant's residence, and
if he resides out of the State then in any county.
TAXES are a lien from July 1 of each year, and if not
paid by January 15 thereafter a penalty of twenty per
cent. is added. If not paid before the first Monday in
March, land is advertised for sale. Two years are allowed for redemption. If redeemed wi hin one year
there must be paid the price for which the land was
sold, 11 legal expenses, subsequent taxes paid, and
twenty-five per cent. penalty thereon, the value of all
growing crops, two dollars for advertising, and fifty
cents to the Auditor. If redeemed after one and within
two years the same payment, but with a fifty per cent.
penalty.
TENNESSEE .
ACKNOWLEDGMENTS within the State must be taken
before a Judge, or Chairman or Clerk of a County Court,
or his deputy, or a Notary Public. In other States before
any court of record, or before the Clerk of any such
court, Notary Public or Commissioner of the State of
Tennessee. Out of the State the acknowledgment of a
Notary Public or a Commissioner under his seal of office
is sufficient, without further proof of his official character. The certificate must be in the form prescribed by
statute. In case the deed is acknowledged by both husband and wife, the privy acknowledgment of the wife is
taken in addition to the above. If made out of the
United States, must be under seal before a Commissioner of Tennessee appointed for such country, a Notary
Public, or an Ambassador, Minister, or Consul of the
United States.
ASSIGNMENTS AND INSOLVENCY. No insolvent law.
Debtor may prefer one or more creditors to the exclusion of others. Assignee must give secured bond when
value of property exceeds $500. Such assignment does
not operate as a discharge from liabilities.
ATTACHMENT process will issue where the debtor
resides out of the State ; is about to remove or has
removed himself or property from the State ; has removed or is removing himself from the county privately;
is concealing himself, so that the ordinary process of
law can not be served upon him; absconds or is absconding or concealing himself or property ; has fraudulently disposed of or is about fraudulently to dispose
of his property; or when any person, liable for any debt,
property in the
residing out of the State, dies, leaving
State. When debtor and creditor are non-residents of
this State and are residents of the same State, the creditor shall not attach unless the property has been fraudulently removed to evade process in their State. Debts
due and not due owing to the defendant. and property
of the defendant of any kind in the hands of a third
person, are subject to garnishment. There is no imprisonment for debt or on civil process.
COURTS . Terms and Jurisdiction. Circuit Courts
hold three terms annually, and have general common
law jurisdiction in all cases involving over $50. Chancery Courts, holding two terms annually, have full
equity jurisdiction above $50, and, by a recent Act,
(March 26 1877) have concurrent jurisdiction with the
Circuit Courts of all civil causes, except actions for
injuries to person, property, or character, involving
unliquidated damages. Justices of the Peace have
jurisdiction in equity up to $50; on all unsettled accounts ,
obligations, contracts, etc. , to and for recovery of
property, and for damages, except for libel and slander,
up to $500 ; upon all notes and upon indorsement of
negotiable paper where demand and notice are expressly waived in the instrument, up to $ 1.000.
EXECUTIONS may issue forthwith, and from Circuit
Courts are returnable to the succeeding term; from
Justice's Courts in thirty days. Stay of eight months
may be had in judgments of a Justice by furnishing
security. Debtor has two years in which to redeem
realty sold under execution .
EXEMPTIONS. Homestead , $1,000 . Personal property
consisting of household goods, supplies, tools and
stock, etc., amounting in all to about $1,200.
INTEREST. Legal rate, six per cent. Contract for
more is void as to excess, and an instrument showing
usury on its face can not be sued on.
LIMITATIONS OF SUITS . Upon bonds, notes , accounts
and contracts generally, six years ; judgments or decrees of courts of record and other cases not expressly
provided for . ten years. Revivor : Acknowledgment,
expressed willingness to pay or promise ; part payment
not in itself sufficient.
MARRIED WOMEN can hold real and personal property
exempt from the husband, and not liable for his debts.
Widow takes dower in one third of the lands of which
her husband died seized, and where the husband dies
intestate and without heirs, she takes his entire real
estate absolutely ; subject, however, to the payment of
his debts. She takes one-third of the personalty, but if
there are more than two children, then a child's part
only.
MORTGAGES and deeds of trust take effect as to third
parties only from registration. Can be foreclosed without intervention of court when power of sale is conferred in the instrument. Chattel mortgages are good as
to the contracting parties without registration, but not as
against purchasers without actual notice, and creditors.
NOTES AND BILLS OF EXCHANGE . Days of grace are
not allowed on bills of exchange payable at sight.
Negotiable paper falling due on January 1 , July 4, December 25, or any duly appointed day of Fasting or
Thanksgiving, is due on the previous day, unless such
previous day is Sunday, in which case it is due on the
Saturday
SUITS. preceding.
Actions in courts of record are commenced
by summons issued by the Clerk of the court, and nonresidents may be served by publication.
TAXES are a lien on the real estate on which they are
levied. Sales of land for delinquent taxes are made on
the first Monday in July of each year, and one year is
allowed for redemption, on payment of taxes and costs
and interest thereon at fifty per cent. per annum .
COMMERCIAL LAWS.
71
TEXAS.
ACKNOWLEDGMENTS of Instruments for Record
may be made without the State, but within the United
States, or Territories, before Clerk of some court of
record having a seal, Commissioner of Deeds for Texas,
Notary Public; without the United States, before a
Minister, Commissioner, or Charge d' Affairs, Consul
General, Consul, Vice Consul, Commercial Agent, Vice
Commercial Agent, Deputy Consul, or Consular Agent
of the United States, Notary Public.
ALIENS may acquire property rights under either of
two provisions of law. (1. ) They shall enjoy such
-rights as are or shall be accorded to citizens of the
United States by the laws of the nation to which such
aliens belong, or by the treaties of such nation with the
United States . (2. ) Aliens who become residents of
this State, and shall have declared their intention to
become citizens of the United States, have all the property rights in this State of citizens of United States.
APPEALS to the Supreme and Appellate Courts for
delay, will be affirmed, with ten per cent. on the
amount in dispute, as damages, together with interest and costs .
ATTACHMENTS issue, on bond in double amount of
debt being given, and affidavit of plaintiff; that defendant is justly indebted to plaintiff, and the amount
of the demand; that attachment is not sued out for purpose of injuring or harassing defendant ; that plaintiff will probably lose his debt unless such attachment is issued ; and stating, further, either of following grounds, that the defendant (1.) Is not a resident of the State, or is a foreign corporation, or is
acting as such. (2. ) Is about to remove permanently out of the State, and has refused to pay or secure
the debt due the plaintiff. (3. ) Secretes himself so
that the ordinary process of law can not be served
on him. (4. ) Has secreted his property for the purpose of defrauding his creditors . (5. ) Is about to secrete his property for the purpose of defrauding his
creditors. (6.) Is about to remove his property out
of the State, without leaving sufficient remaining for
the payment of his debts. (7.) Is about to remove
his property, or a part thereof, out of the county where
the suit is brought, with intent to defraud his creditors . (8.) Has disposed of his property, in whole or
in part, with intent to defraud his creditors. (9.) Is
about to dispose of his property with intent to defraud
his creditors. (10. ) Is about to convert his property,
or a part thereof, into money, for the purpose of placing it beyond the reach of his creditors. (11. ) That
the debt is due for property obtained under false
pretenses.
CHATTEL MORTGAGES, to be valid as to creditors,
and as to purchasers without notice, must be accompanied by immediate delivery, followed by actual and
continued change of possession of property, unless
the same, or a true copy thereof, is filed in the County
Clerk's office of county where property situated , or in
county of residence of mortgagor. Mortgages held to
be mere security for the debt, and must be enforced
by sale of property; sale of property, upon death of
mortgagor, must be enforced through Probate Court.
CORPORATIONS, in suits by, not required to prove
corporate existence, unless defendant deny same by
sworn plea.
COURTS. Terms and Jurisdiction. Federal Court,
two terms each year, at Dallas . Waco, Graham, Galveston, Tyler, Jefferson, Brownsville, San Antonio,
and Austin; jurisdiction, where matter in dispute
exceeds sum or value of $500 . District Court, two
terms each year, generally; in Dallas county four, and
in Galveston and Bexar, five terms ; jurisdiction exclusive as to land titles, and where value or sum over
$1,000, exclusive of interest ; and concurrent with
County Court from $500 to $1,000 . County Court, six
terms each year; jurisdiction exclusive from $200 to
$500, except in a number of less populous counties,
where its jurisdiction in commercial claims has been
abolished. Justice's Court, term each month ; jurisdiction to $200.
EXECUTIONS, from District and County Courts , issue
after adjournment, and may, on appl cation of successful party, issue twenty days after judgment, if no
supersedeas bond has been filed and approved from
Justice's Court, eleven days after judgment : in latter,
may be stayed ninety days ; in all, upon plaintiff, his
agent or attorney, making affidavit to certain facts,
shall issue forthwith. No redemption of land sold
under execution.
EXEMPTIONS. By the Constitution of 1875, (became
the organic law third Tuesday of April, 1876), the homestead of a family not in a town or city consists of
two hundred (200) acres of land, which may be in one
or more parcels, with improvements thereon. In a city,
town or village it consists of a lot or lots not to exceed
$5,000 in value at the time of their designation as the
homestead, exclusive of improvements , provided the
same be used as a home, or as a place to exercise the
calling or business of a head of a family. The homestead is protected from forced sale except for taxes, or
forthe purchase money, or for improvements thereon, and
in this last case, only when the work and materials are
contracted for in writing, with the consent of the wife,
given in same manner as required in making a sale of
homestead. In case of death of the husband, the widow
and children have one year's support from the estate,
and if the property exempt by law does not exist in
kind, a sufficiency of the estate may be sold for cash,
to raise allowance for homestead, not to exceed $ 5,000,
and for other exempt property not to exceed $ 500 . All
household andkitchen furniture, all implements of husbandry, all tools and apparatus belonging to any trade
or profession , all books, five milch- cows and calves, two
yoke of work oxen, two horses and one wagon, one
carriage or buggy, twenty hogs, twenty sheep, all provisions and forage on hand for home consumption, and
sundry other articles, are also exempt.
INTEREST : legal, eight per cent ; conventional up to
twelve per cent. Open accounts, no rate agreed upon,
legal interest from January 1st thereafter. Judgments
bear rate stipulated in contract sued upon. Usury forfeits all interest: not indictable.
INSOLVENT AND ASSIGNMENT LAWS . A general assignment, by insolvent debtor, must be recorded ; have
annexed an inventory, under oath, of all creditors ;
their residence ; sum, and consideration due each; how
evidenced ; place created ; collateral securities held by
creditors ; with statement of debtor's entire estate , giving values. Insolvent debtors may make assignments
for benefit of such creditors only as will accept their
pro rata in discharge of all liability. Any creditor
having reason to believe such debtor has concealed his
property, may have him summoned before District or
County Judge, and examined under oath, etc. Any attempted preference of one or more creditors shall be
deemed fraudulent and without effect. Concealment
by debtor of his property from assignee, or transfer of
property previous to and in contemplation of assignment, with intent to defraud creditors, is made a felony.
JUDGMENT LIEN. In Federal, District and County
Court, judgment is a lien on debtor's real estate in
any county where an abstract of judgment shall be
filed and recorded in a book kept for that purpose, in
the office of County Court Clerk. Lien takes effect
from date record and index of abstract, and continues
for ten years, unless plaintiff fails to have execution
issued within twelve months after judgment.
LIMITATION TO SUITS . Written contracts, four years ;
accounts, other than open accounts between merchant
and merchant, their factors and agents, two years.
Mortgage lien barred with the debt, but new promise
which revives debt, and which must be in writing,
revives mortgage .
MARRIED WOMEN can not bind themselves , nor their
separate estate, by making, drawing, accepting, or
indorsing negotiable instruments. Her separate estate
is not liable for husband's debts; nor for her own contracts, except for expenses incurred for its benefit, or
for necessaries for herself and children. Property
owned by wife before marriage, or acquired afterwards
by gift, devise, or descent. remains her separate property. That acquired after marriage, except as above,
or by sale or exchange of separate property, is community property.
NOTES AND BILLS OF EXCHANGE. The liability of
any drawer or indorser may be fixed, by instituting
suit against the acceptor or maker, before first term of
District or County Court, to which suit can be brought,
or before second term, showing good cause why not
brought at first term; within jurisdiction of Justice,
suit must be brought within sixty days. Protest : Such
liability may also be fixed by protest, according to the
custom of merchants. The holder of a protested draft
or bill, drawn by a merchant in this State, upon his
agent or factor without the State, may recover ten per
cent. damages thereon, besides interest and costs. Days
of grace (three) allowed on all negotiable instruments.
PRIVATE SEALS . Abolished February 2, 1858.
SUITS , Where brought. A defendant may be sued in
the county in which the contract sued on by its terms
is to be performed, or in county of his residence, at
option of plaintiff. Thus a note, payable at the City
National Bank of Dallas, may be sued on in Dallas
72
COMMERCIAL LAWS.
county, though defendant reside in another county.
This enables parties to concentrate their collections.
TAXES. Non-residents may pay State and County
taxes to the Comptroller of the State, at Austin , on
or before January 1st, next after assessment. Taxes
are a lien upon land until paid. Taxes become delin-
quent, and forced collections of same begin, on and
after 1st day of March, next succeeding the year for
which they are assessed. Owner has two years within
which to redeem land sold for taxes, by paying to purchaser double the amount paid for the land.
UTAH.
ACKNOWLEDGMENTS may be made, within the TerriEXECUTIONS may issue at any time within three years
tory, before a Judge or Clerk of a court having a seal, after judgment, and can only be stayed by appeal or by
a Notary Public, County Recorder, or Justice of the leave of court. Property sold under execution may be
Peace. Elsewhere in the United States, before a Judge redeemed within six months, on payment of the amount
or Clerk of any court having a seal, a Notary Public, or paid, with six per cent. interest and all charges, etc.
a Commissioner of Deeds for Utah. Out ofthe United
EXEMPTIONS. Homestead , not exceeding $ 1,000, to
States, before a Judge or Clerk of court as aforesaid, a head of family, and $250 extra for each member of
Notary Public, or any Minister, Commissioner or Con- family. Also household furniture, tools of trade, farmsul of the United States, appointed to reside in the ing implements , certain domestic animals and proviscountry where the deed is offered.
ions for sixty days, one sewing machine, and the instruASSIGNMENTS AND INSOLVENCY. There is no insolvent ments or libraries of professional men.
INTEREST. Legal rate ten per cent. No usury laws.
law, and no law governing assignments for benefit of
creditors.
JUDGMENT becomes a lien on all the real property of
ATTACHMENT process may issue in an action upon debtor within the county, and so continues for two
a contract which is not secured by mortgage, lien, or years from time of docketing. Lien may be extended
pledge, upon real estate or personal property situated to other counties by filing transcript. Judgments are
in this Territory, or if secured, after the security has barred after five years.
been rendered nugatory by the act of the defendant,
LIMITATIONS OF SUITS . Open accounts and contracts
against a non-resident defendant or against a defendant not in writing, two years; contracts or obligations foundwho has departed or is about to depart from the Terri- ed on writing, four years ; judgments, five years ; retory or county wherein the action is brought, or con- covery of lands, seven years. Revivor : Acknowledgceals himself so that process can not be served on him, ment or promise in writing.
or who is disposing of his property with intent to
MARRIED WOMEN retain all their property, exclusive
defraud his creditors, by plaintiff making affidavit and of any right or control of the husband, and not subject
giving an undertaking. After return of execution un- to husband's debts ; no property owned by the wife at
satisfied, the court may order any property or debt of the time of marriage passes to the husband; it remains
the defendant in the hands of a third partyto be applied the separate property of the wife, and all property
on account of the judgment. Defendant in a civil acquired by her during marriage is her sole and separate
action may be arrested when about to leave the Terri- property; and with reference to her separate property,
tory with intent to defraud creditors , or where the she can contract and control the same as if she were a
debt was fraudulently contracted, or when defendant feme sole. Dower has been abolished.
has removed or disposed of property. Plaintiff must
MORTGAGES of real estate must be acknowledged as
furnish secured bond in at least $500, and defendant deeds, and must be foreclosed by proceedings in equity.
may be released on giving like bond to pay the judg
There are no statutes regulating chattel mortgages,
ment or to appear at any time.
which are therefore subject to the common law. Same
COURTS . Terms and Jurisdiction. District Courts, redemption of realty as if sold under execution.
with exclusive original jurisdiction in chancery, and in
NOTES AND BILLS OF EXCHANGE are governed by the
all actions at law involving over $300, and all suits law merchant. Grace is allowed on sight drafts.
SUITS. There is but one form of civil action, and all
relating to land or mining property, hold four terms
each year in Beaver City, two in Provo City, four in Salt suits must be prosecuted in the name of the real party
Lake City, and two in Ogden. Each organized county at interest. Service on non-residents may be had by
has a Probate Court with the usual powers . Justice's publication.
jurisdiction, $300.
VERMONT.
ACKNOWLEDGMENTS. All deeds must be signed and close of term, and from Justice's Courts immediately
sealed in the presence of two witnesses. They may be after judgment rendered, and are returnable in sixty
acknowledged in this State before a Justice of the days . Can only be stayed by order of court. Six
Peace, Notary Public or Master in Chancery. Outside months allowed for redemption of real estate levied
the State, before a Justice, Notary Public or Commis- upon. The land is set off at a certain value, and becomes
sioner for Vermont, or any other officer authorized by plaintiff's if not redeemed in six months.
EXEMPTIONS. Homestead, $500; necessary wearing
the laws of such other State to take acknowledgments
of deeds.
apparel, household furniture and tools, one cow, ten
ASSIGNMENTS AND INSOLVENCY. There is an insolvent sheep, one yoke of oxen and two horses with forage
law (passed in 1876), but its provisions are of no effect for one winter, double wagon and sleigh, harness and
as regards non-resident creditors. The Probate Courts some other small articles. Also all growing crops, a
sewing machine, certain provisions, and instruments
have jurisdiction in insolvency. All assignments
be for the benefit of all creditors. Non -resident must
cred- and libraries of professional men to the value of $200.
INTEREST. The legal rate is six per cent. per annum.
itors can prove their claims and take their dividends ,
but the discharge would be of no effect outside of Ver- Judgments bear legal rate. Only the excess paid is
mont.
forfeited, and that may be recovered back or set up in
ATTACHMENTS may issue on mesne process , and trus- reduction of claim , if such action is brought or defense
tee process will reach goods, effects or credits of de- made within six years after payment of the usury.
JUDGMENTS do not of themselves create a lien on
fendant in the hands of a third party when the judgment, exclusive of costs, against defendant and the property not attached upon mesne process.
amount in the hands of trustee each exceed $10. DeLIMITATIONS OF SUITS . Simple promissory notes are
fendant in a civil action may be arrested when about to barred in six years , but notes signed in presence of
leave the State with intent to defraud.
an attesting witness are not barred until fourteen years
COURTS. Terms and Jurisdiction. Justice's Courts next after the right of action shall accrue thereon. Achave jurisdiction of all actions of a civil nature , except counts are barred after six years from the last eredit;
actions for slanderous words, false imprisonment, re- sealed instruments and judgments, after eight years . A
plevin for goods and chattels where the value thereof verbal promise to pay will not revive a debt, but must
exceeds $20, and where the title to land is concerned- be in writing. A partial payment will revive the debt ;
where the matter in demand does not exceed $200 ; and but, in case of a note, the payment can not be shown
of actions of trespass on the freehold where the sum in by the indorsement of the payment alone unless in the
demand does not exceed $20. County Courts have handwriting of the party making the payment.
MARRIED WOMEN hold their own property separate
jurisdiction of all debts exceeding $200, and of the exceptions above named.
from that of theirhusband, and are not liable for his
EXECUTIONS are issued from County Courts at the debts. The husband must join in the conveyance of
COMMERCIAL LAWS.
his wife's real estate. A married woman may make a
will and thereby devise her real and personal property.
Widow takes dower in one-third of all real estate of
which her husband died seized.
MORTGAGES are foreclosed by process of law, and the
premises may be redeemed within one year of the date
of decree of foreclosure. Chattel mortgages are not
valid as against bona fide purchasers or subsequent
attaching creditors without change of possession of the
property, except in the case of machinery in use. In
thelatter case the instrument must be executed, acknowledged and recorded in the same manner as mortgages of real estate, and must be foreclosed, assigned
and discharged in the same way. By an act passed in
1878, mortgages of personal property, properly recorded
in the Town Clerk's office of the town where the mortgagor resides , are valid, and hold the property without
change of possession; a provision for sale of the
property after condition has been broken thirty days is
made, and sales are by public auction.
NOTES AND BILLS OF EXCHANGE are entitled to three
days grace, unless payable on demand or at sight, or in
any way but in money. Notes payable on demand are
73
considered overdue after sixty days from date. Whenever any bill or note, or other contract not subject to
grace, shall fall due on Sunday, the 1st day of January,
4th day of July, 25th day of December, or the 30th day
of May, called Decoration Day, or any day appointed
by the Governor or President as a day of fast or thanksgiving, the same shall , for every purpose of protest and
notice, be taken and considered as due on the first day
next following. The maker and indorser of a promissory note can not be joined in one suit. The note of a
married woman, unless secured by mortgage, is void as
against her.
SUITS before the County Court are brought in the
county where plaintiff or defendant resides-if both are
non-resident, then in any county. Actions of ejectment
and trespass on the freehold must be brought in the
county where the land lies, and actions of replevin where
the goods are detained .
TAXES. Lands sold for taxes may be redeemed within one year on payment of the full sum for which they
were sold, with legal costs and twelve per cent. interest.
VIRGINIA.
ACKNOWLEDGMENTS, within the State may be taken
before any County or Corporation Court, or the Clerk
thereof in his office, or before a Justice,Commissioner in
chancery, and Notary (within their respective counties).
Without the State, but within the United States, they
may be taken before any court in the United States , or
the Clerk thereof in his office, or before any Justice,
Commissioner in Chancery, Notary , or Commissioner
appointed bythe Governor of Virginia for such State.
Without the United States they may be taken before
any Minister Plenipotentiary, Charge d'Affaires, Consul
General, Consul, Vice-Consul, or Commercial Agent of
United States to such foreign country, or before any
court of such country, or the Mayor, or other Chief
Magistrate of any city, town or corporation therein.
ASSIGNMENTS AND INSOLVENCY. No insolvent laws
and no statutory provisions concerning assignments.
But an insolvent debtor may make a voluntary assignment to a trustee for the benefit of creditors, and may
prefer certain creditors to others. Such assignment does
not operate as a release.
ATTACHMENTS may issue upon bond being given and
affidavit filed in the following cases: First, against a
non-resident debtor having effects in this State. Second, against a defendant in any suit who is removing,
or intends to remove his effects out of the State pending the suit. Third, against a debtorwho has removed,
is removing, or intends to remove his effects out of the
State whether claim be due or not. Fourth, against
tenants removing their effects from the leased premises
before the rent becomes due. Fifth, against vessels for
materials and supplies furnished, work done, etc., but
this provision is void as in conflict with admiralty jurisdiction of United States Courts, to which forum the recourse practically is confined By garnishment debts
owingdefendant may be collected and the proceeds held
to await judgment. Arrest in aid of remedy in civil
action lies where it appears from plaintiff's affidavit
that defendant is likely to abscond, unless arrested,
when a capias ad respondendum issues against him
under which he is arrested, and required to enter into a
bail-bond (in the alternative ofgoing to jail) conditioned
should judgment go against him to respond to interrogatories touching his property.
COURTS. Terms and Jurisdiction. Circuit Courts by
recent statute, hold three terms annually in each county
and the city of Richmond, and special terms when
dispatch of business requires. But under special acts,
only two terms are held in many of the counties, and
the other cities of the State, than Richmond. They
have jurisdiction in all cases at law,and in equity,where
the amount involved (exclusive of interest) exceeds $20.
Corporation Courts, (in towns having over 5,000 inhabitants), with jurisdiction mainly concurrent with that of
the CircuitCourts in civil cases, hold four terms annually
for the trial of such cases. Justice's jurisdiction by act
taking effect July 1, 1880, enlarged to $100, with right
to defendant, when amount exceeds $20, to remove case
to County or Corporation Court.
EXECUTIONS may issue at once for special cause shown
to the court, and after the fifteenth day of the term any
court may make an order allowing execution to issue
on judgments and decrees after ten days from their
date. It must be returned on the first day of a term of
court, or first Monday of a month, as the time of issuing the execution may make it most convenient, provided that not more than ninety days intervene between
the teste and the return day of the process. Executions from Justice's Courts may issue forthwith, but
stay may be had on furnishing proper security; over $10
and under$20, forty days; $20 to $30, sixty days ; and over
$30, ninety days. There is no stay in the upper courts,
and no redemption of property sold under execution .
EXEMPTIONS. Homestead exemption of householder,
being the head of a family, to the value of $2,000
which may be either real or personal property. Also
books to the value of $100, wearing apparel, beds,
stoves, and household utensils, sewing machine, certain domestic animals, and mechanic's tools, not exceeding $100 in value.
INTEREST. The rate of interest can in no case exceed
six per cent., except on loans to certain corporations.
Lenders forfeit all interest in case of usury. Judgments
bear six per cent, interest. Corporations can not plead
usury.
JUDGMENTS are liens when recorded on all real estate
of the judgment debtor within the county.
LIMITATIONS OF SUITS . For articles charged in store
account, two years ; contracts not under seal, five years ;
upon indemnifying or fiduciary bonds, ten years ; all
other contracts under seal, twenty years ; recovery of
lands in cases of forcible entry, unlawful entry or unlawful detainer, three years ; in other actions for lands,
fifteen years when situated east of the Alleghany
Mountains, and ten years when situated west of those
mountains. Revivor: New promise in writing or
written acknowledgment of a specific debt from which
a promise may be implied ; part payment not sufficient.
MARRIED WOMEN. The real and personal property
of a woman married since April 4, 1877, owned by her
at the time of such marriage, and any property, real or
personal, acquired by a married woman as a separate
and sole trader, is free from the control of her husband,"
and is not liable for his debts. Widow takes dower as at
common law.
MORTGAGES are superseded by deeds of trust, which
may be foreclosed by the trustee without the intervention of a court of equity. Such deeds may be given for
both realty and personalty, and in either case must be
recorded.
NOTES AND BILLS OF EXCHANGE . Where a bill of
exchange, drawn or indorsed within this State, is protested, the party liable for the principal of such bill
shall, in addition, pay damages upon the principal at
the rate of three per cent. if the bill be payable out of
Virginia and within the United States, and ten per
cent. if payable without the United States. On all negotiable notes and bills payable at a future day, grace is
allowed according to custom of merchants. No grace
on sight drafts.
SUITS. The case may be put on Court Docket after
expiration of second rules from service of summons
on defendant. The first Monday in each month, and
the two following days are rule days . Suit may be
brought: 1st, in the county or corporation where
defendant resides, or 2d, in the county or corporation
where the cause of action arose, provided process can
be served on defendant in such county or corporation.
TAXES are a lien on the real estate on which they are
assessed from the 15th of December in the year in
which the assessment is made. Real estate sold for
taxes may be redeemed within two years by payment
of the amount of purchase money, subsequent taxes,
and interest at ten per cent. per annum.
74
COMMERCIAL LAWS.
WASHINGTON.
COURTS. Terms and Jurisdiction. District Court,
ACKNOWLEDGMENTS. Deeds must be in writing, and
attested by two witnesses. Acknowledgments may be holding four to six terms a year in each district, has
taken by a Judge of the Supreme Court,or Clerk thereof, jurisdiction in all civil causes, except probate matters
or the Deputy of such Clerk; Judge of the District Court and such cases (below $100 ) as are cognizable by Jusor a Clerk thereof, or the Deputy of such Clerk ; Judge tices of the Peace. Probate Courts hold four regular
of the Probate Court, or Clerk thereof, Justice of the terms each year.
EXECUTION may be had at any time within five years
Peace,County Auditor, or a Notary Public. Acknowledgments of deeds or conveyances may be executed or ac- after judgment rendered. Real property sold thereunknowledged in any other State or Territory in the der may be redeemed within six months . Stay is
form prescribed for executing and acknowledging allowed: In the Supreme Court, under $500, thirty days ;
deeds within the Territory, and the execution thereof $500 to $1,500 , sixty days ; above $1,500, ninety days.
may be acknowledged before any officer authorized In District Courts, under $300, two months ; $300 to
five months; over $ 1,000 , six months.
thereto in the State or Territory where made, and if not $1,000,
EXEMPTI
ONS. Homestead, to the value of $1,000,
acknowledged before a Commissioner for this Territory, or a Clerk of a court of record, or Notary Pub- when recorded and entered in office of Auditor as such.
lic, or other officer having a seal, sai acknowledgment Also to each householder, household goods, coin value
shall have attached thereto a certificate of a Clerk of a $150; to a mechanic the tools and instruments necescourt of record, or other certifying officer that the sary to carry on his trade for the support of himself
person whose name is subscribed to certificate was, at and family also material not exceeding in value $500
the date thereof, such officer as he represents himself in coin; all wearing apparel of every person and famto be, that he is authorized by law to take acknowl- ily; also certain cattle to farmer, team, utensils, etc.,
edgments of deeds, and that he firmly believes the sig- $200; to professional men, office furniture, also libraries
nature of the person subscribed thereto to be genuine. and instruments, $500; boatmen, boats, $250; draymen,
In any foreign country, before any Minister Plenipoten- team .
INTEREST. The legal rate is ten per cent. Any rate
tiary, Charge d'Affairs, Consul General, Vice Consul,
or Commercial agent of the United States, or before of interest agreed upon in writing is valid . Judgments
the proper officer of any Court of said country, or the bear legal rate from date, except when rendered upon
Mayor or Chief Magistrate of city, town, or other muni- an express contract in writing, wherein a different rate
cipal corporation therein, and must be certified by such is agreed upon, in which case the judgment bears the
officer, and such certificate shall be prima facie evi- same rate.
dence of the facts recited therein.
JUDGMENTS are a lien on real estate for five years from
ASSIGNMENTS AND INSOLVENCY. Insolvent debtor filing of the transcript.
LIMITATIONS OF SUITS . Contracts not in writing,
may be discharged from debts upon executing an assignment of all his property for benefit of his creditors , three years ; contracts in writing or liability arising out
if done in good faith and without fraud. Such insolvent of a written agreement, or a judgment or decree of any
debtor shall petition the Judge of the District Court, court, or for rents, issues or profits of real estate, six
within the place of his domicil or usual residence, stat- years ; recovery of real property, twenty years. Reviing briefly the circumstances which compel him to sur- vor: Part payment or promise in writing.
MARRIED WOMEN . Property of wife acquired before
render his property to his creditors, with prayer to make
a cession of his estate and to be discharged from his marriage, and afterward by gift, devise or descent, her
debts. Annexed to petition the debtor shall file a sched- separate property; same with husband; property otherule containing a summary statement of his affairs, with wise acquired during coverture held in common ; all,
a list of his losses, if any, giving names of creditors if however, subject to control of husband. Husband
known: amount due to each creditor; cause and nature cannot sell, encumber or dispose of wife's separate
of indebtedness, and existing judgment, mortgage or real property unless she joins him in the deed of conother securities for the payment of any such debt. veyance. Wife must join with husband in conveyance
Schedule shall contain complete inventory of all prop- of the community real property. Marriage settlements
erty, debts, moneys on hand, etc., and full statement of must be in writing, executed , acknowledged, etc., as
all incumbrances upon his property ; also estimated grants of real estate. To avoid liability for husband's
cash value of property surrendered. Schedule to be debts, wife must record inventory of her separate
signed and sworn to by debtor. The Judge shall make estate, duly executed. Dower and tenancy by curtesy
an order requiring creditors to show cause why an are abolished.
assignment should not be made, and the debtor disMORTGAGES are executed and acknowledged same as
charged from his debts. The Court exempts and sets
deeds, and are foreclosed in court of equity. Chattel
apart for the use and benefit of such insolvent all prop- mortgages are void against creditors of the mortgagor
erty authorized by law to be retained for the use of the and subsequent purchasers, unless accompanied by
debtor or his family. Creditors , after legal proof of affidavit of all the parties thereto that the mortgage is
claims made, appoint one or more (not exceeding three)
made in good faith, and without design to defraud
and recorded in like manner as conveyances
assignees, in the appointment of whom the majority creditors,
prevails . Assignees give bonds in such sum as is de- of real estate.
termined by the majority of creditors, or by the Court.
NOTES AND BILLS OF EXCHANGE . Three days grace
ATTACHMENT process may be had when defendant are allowed on bills of exchange payable at sight, and
is non-resident or a foreign corporation, or conceals on all negotiable promissory notes, orders or drafts
himself, to avoid service of process upon him, or re- payable at a future day certain, unless there is an exmoves, conveys, assigns, or disposes of his property press stipulation to the contrary.
with intent to defraud creditors. Defendant may be
SUITS. Civil practice is under a Code, and all disarrested on order of court on affidavit of fraud.
tinctions in forms of action and suits are abolished.
WEST VIRGINIA.
ACKNOWLEDGMENTS may be taken before a Notary
Public, Recorder, Prothonotary, or Clerk of any court
of record within the United States , or Commissioner
appointed to act within the same by the Governor of
this State , duly authenticated by the official seal of
such officer annexed to the certificate of acknowledgment. Certificate of acknowledgment of a married
woman must state her private examination apart from
her husband; that the writing was fully explained to
her, that she acknowledges it to be hers, declared she
had willingly executed the same, and did not wish to
retract it.
ASSIGNMENTS AND INSOLVENCY. No insolvent law
and no statute rgulating assignments in trust for
benefit of creditors. Such assignments are sometimes
made, but do not operate as a discharge. A defendant
debtor under arrest may be discharged from such arrest
by making conveyance of his property not exempt by
law. Assignments are made by deed acknowledged as
other deeds, and filed in office of Clerk of County Court.
If real estate is assigned , the wife of the assignor must
sign, seal and acknowledge the same to bar her dower.
ATTACHMENT process will issue on creditor's affidavit
that debtor, or one of them, is non-resident; has left, or
is about to leave the State ; conceals himself so that
summons can not be served upon him ; is removing or
about 10 remove his property out of the State; is converting his property into money, etc. , with intent to
COMMERCIAL LAWS.
defraud his creditors ; has assigned or disposed of his
property with intent to defraud his creditors ; has property or rights in action which he conceals, or fraudulently contracted the debt for which the action is
brought. Upon the creditor giving bond and security
the sheriff is required to take the attached property
into his possession. Goods, effects or money due the
defendant in the hands of a third party can be
garnisheed. There is no imprisonment for debt in this
State, but defendant in civil action may be arrested
when about to leave the State or to remove or assign
property, etc. , with intent to defraud his creditors .
COURTS. Terms and Jurisdiction . Justice's Courts
have jurisdiction in all civil actions where the amount
claimed does not exceed $300 exclusive of interest, and
the title to real estate does not come in question.
Circuit Courts are held in each county, and have jurisdiction where the amount of the debt exceeds $50 exclusive of interest. County Courts, through their clerks,
have full probate powers .
EXECUTION issues immediately after term of court at
which judgment was rendered, and is returnable in
ninety days. There is no stay of execution in the
higher courts, but in Justice's Courts stay is allowed
as follows : Under $10, one month ; $10 to $20, two
months ; $20 to $50, three months ; over $50, four
months. There is no redemption of property sold under execution, deed of trust or mortgage when foreclosed.
EXEMPTIONS . Homestead to the value of $1,000 is
exempt, where the property of that value is devised or
granted to debtor, being a husband or parent, and
resident in the State, as a homestead ; and where he,
previously to contracting the debt or liability, has
placed a declaration of his intention to keep the property as a homestead on the land records of the county
in which the real estate is situated. Personal property
to the value of $200 is also exempted, provided debtor
is a resident and parent. Also $50 worth of tools of a
mechanic, artisan or laborer, whether he is a husband
or parent or not, provided that in no case shall the
exemption allowed any one person exceed $200.
INTEREST. The legal rate is six per cent. Excess of
interest is not recoverable under the law. Incorporated
companies, only, may borrow money at higher rates.
Judgments bear six per cent. Illegal interest paid may
be recovered within five years.
JUDGMENTS are a lien upon all real estate of the
debtor, but to secure the lien against purchasers not
having notice judgment must be docketed in the County
Clerk's office within ninety days.
LIMITATIONS OF SUITS . Store account, three years ;
accounts concerning trade between merchants, five
years; contracts not in writing, or in writing and not
75
under seal, five years ; contracts under seal, twenty
years, except contracts executed after April 1 , 1869,
whether under seal or not, ten years; to recover land,
ten years. Revivor : Acknowledgment of debt or promise in writing to pay.
MARRIED WOMEN. Property of wife acquired at any
time and from any source other than her husband, held
to her sole and separate use ; provided, that the husband
must join in conveyance of realty. Widow is endowed
of one-third of all the real estate of which her husband
was seized of an estate of inheritance at any time
during her coverture, unless such dower shall have
beenawfully barred or relinquished.
MORTGAGES are executed and acknowledged as deeds
but contain a clause of defeasance. They can only be
enforced by foreclosure in a court of equity, and their
place is taken generally by deeds of trust which do not
require the intervention of a court. Chattel mortgages
are also little known.
NOTES AND BILLS OF EXCHANGE. Every promissory
note or check for money payable in this State at a
particular bank, or at a particular office thereof, for
discount and deposit, or the place of business of a
savings institution or savings bank, and every inland
bill of exchange payable in this State, shall be deemed
negotiable. Three days of grace are allowed. When a
bill of exchange drawn or indorsed within this State is
protested for non-acceptance or non-payment, there
shall be paid by the party liable for the principal of
such a bill , in addition to what else he is liable for,
damages upon the principal at the rate of three per
cent. if payable out of the State and within the United
States, and ten per cent. if payable without the United
States. Commercial paper failing due on a Sunday is
payable and may be protested on the preceding day. If
on January 1 , July 4, or December 25, then on the preceding day, or if that be Sunday then on the prece ling
Saturday.
PROOF OF CLAIMS. When claim is sent for collection
make the account out in detail. Send the full name of
the party who is plaintiff ; if a partnership, the full
name of each partner and the name of the firm. Accounts can be proved on hearing of the case by oral
testimony, or by depositions regularly taken. Nonresidents are usually required to give security for costs.
TAXES are a lien on real estate from the first day of
February in each year, and draw six per cent. interest if
unpaid after the day fixed by law for payment. Every
two years (as in 1879, 1881 , etc.) a tax sale is held in
each county, at which all the lands previously returned
delinquent and not redeemed are sold for taxes, interest, and a penalty of fifteen per cent. One year after
the sale is allowed for redemption. Silver coin is a
legal tender for all taxes.
WISCONSIN .
ACKNOWLEDGMENTS . Deeds executed within this
State-of lands or any interest in lands therein - must
be executed in the presence of two witnesses, and the
persons executing must acknowledge the execution before any Judge of court of record, Commissioner, Clerk
of a Circuit Court, County Clerk, Notary Public, Justice
of the Peace, or Clerk of the Municipal Court of the
City and County of Milwaukee. If made by a corporation organized under any law of this State, such acknowledgment must be made by the President or other
authorized officer of the corporation, sealed with the
corporate seal and countersigned by the Clerk of such
corporation. Deeds conveying land, or any interest in
land, situated in this State, if executed in any other
State, Territory or District of the United States, may
be executed according to the laws of such place, and
the acknowledgment may be before any Judge or Clerk
of a court of record, Notary Public, Justice of the
Peace, Master in Chancery, or other officer there
authorized by law to take the acknowledgment of deeds
therein, or before a Commissioner appointed by the
Governor of this State for such purpose. And if executed within the jurisdiction of any military post ofthe
United States, not within this State, it may be acknowledged before the commanding officer thereof. If
such acknowledgment be taken before any Commissioner appointed by the Governor of this State, Clerk
of a court of record with seal attached, Notary Public
having a seal, or commanding officer of a military post,
the certificate of acknowledgment shall certify that said
acknowledgment and execution was according to the
laws of such State, Territory or District. If executed
before any other officer as above mentioned, shall have
attached thereto a certificate of the Clerk or other
proper certifying officer of a court of record of the
county or district within which such acknowledgment
was taken, under the seal of his office, that the person
whose name is subscribed to the certificate of acknowledgment was at the date thereof such officer as
he is therein represented to be, and that he believes
such signature to be genuine, and that such deed was
executed according to the laws of such State, Territory
or District. If such deed be executed in any foreign
country, it may be executed according to its laws, and
acknowledged before any Notary Public - with seal
affixed-or other officer authorized by law there to take
such acknowledgments, or any Minister, Charge d'
Affaires, Commissioner, or Consul of the United States
appointed to reside therein , with certificate that such
execution and acknowledgment was according to the
laws of such country.
ASSIGNMENTS AND INSOLVENCY . An insolvent debtor
may make an assignment for the benefit of his creditors. He may prefer one or more creditors over others.
He must present a petition to the Circuit Court, or a
Judge thereof, with sworn schedule and affidavit.
A creditors' meeting is held after due notice by publication, and on issue joined a jury trial may be had, and
defendant examined under oath as to his property. If
jury find for insolvent, the Court will grant his dis-
76
COMMERCIAL LAWS.
charge, but this is voidable where fraud has been practiced.
ATTACHMENT may be had in courts of record where
debt exceeds $50, when defendant is a foreign corporation or non-resident, or has absconded or concealed
himself, assigned , disposed of, or concealed his property, or attempted to do so, or to remove it out of the
State, with intent to defraud creditors, or when the
debt was fraudulently contracted, and if the debt was
fraudulently contracted the creditor may attach, though
not due, or when the defendant is principal on an
official bond, or when the action in tort exists to
the amount of $50, and defendant is non-resident
or a foreign corporation. Real estate may be bound
by filing a copy of the attachment and a description of the land in the Register's office of the
county where the land lies . Money or property of defendant in the hands of another, or debts due defendant, may be garnisheed. Defendant may be arrested on
affidavit of fraud in contracting the debt, etc. Plaintiff must give bond in all cases . In Justice Court
attachments for same cause, if amount is over $5, and
less than $200, no bond required, nor can real estate
be attached in Justice's Courts.
COURTS. Terms and Jurisdiction. Circuit Courts,
holding two to four terms each year in each county,
have original jurisdiction in all civil actions not cognizable by Justices of the Peace. County Courts have
full probate powers, and are always open for business.
The County Courts of Brown, Dodge, Fond du Lac,
Milwaukee and Winnebago counties have limited civil
jurisdiction and exclusive jurisdiction of all appeals
from Justice's Courts . Justice's jurisdiction , $200.
EXECUTION on Circuit Court judgments may issue as
soon as costs are taxed and judgment is docketed, and
are returnable within sixty days, and may be issued
at any time within five years. In Justice's Court
execution may be issued at any time within five years ,
but the losing party is allowed five days in which to put
in stay, and in Justice's Court executions are returnable in thirty days. In Justice's Court, on bond with
surety being given for payment of the judgment,
execution may be stayed, if put in within five days,
not exceeding four months . No stay of execution,
issued on judgments obtained in Circuit Court, can
be had, except in cases of appeal. Real estate sold
under execution may be redeemed by the owner within
one year; by any judgment or mortgage creditor
having a subsequent lien, within one year and three
months.
EXEMPTIONS. Homestead of forty acres, outside of
any town, city, or village plot, or of one-fourth of an
acre if within such plot, with dwelling-house, etc. ,
without regard to value. Also family pictures, or
school books , library of debtor, wearing apparel of
debtor and family, all stoves put up and kept for use,
all cooking utensils, and all other household furniture
not herein enumerated, not exceeding $200 in value ;
two cows, ten swine, one yoke of oxen and one horse,
or two horses or mules, ten sheep, and the wool from
either raw or manufactured : the necessary food
fSame
or above stock for a year's support : one wagon, cart,
or dray, one sleigh, one plow, one drag, and other
farming utensils, including tackle for teams, not exceeding $50 in value ; provisions and fuel for one year;
tools and implements and other stock in trade of a mechanic or miner or other person, not exceeding $200 in
value ; all moneys from insurance of exempt property;
earnings of all married persons or those who have to
provide for the entire support of a family, for sixty
days next preceding the issuing of any process ; all
sewing machines kept for use; any swords, plate, books,
or other articles presented by Congress or the members
thereof. Also printing materials and press or presses
used in the business of any printer or publisher to an
amount not exceeding $1,500 in value, also abstracts ,
also interest of inventors in patents, also fire engines,
apparatus, etc., owned by any town, city or village .
These exemptions are to actual residents of the State
only, except family pictures, wearing apparel , household furniture, and swords, plate, books, etc. , presented
by Congress , are exempt to non-residents as well, and
no property is exempt from execution or attachment
upon a judgment in an action for the purchase money
of said property .
INTEREST. Parties may, in writing, contract for ten
per cent. but the rate on all moneys due, or payable
with interest, and on all judgments, unless expressly
named, will be seven per cent. No interest can be computed on interest, whether due by agreement at a fixed
time or otherwise, unless so distinctly agreed in writing. Any corrupt, usurious agreement whereby more
than ten per cent. is reserved, agreed to be paid, or
taken, forfeits all the interest paid or agreed to be.
JUDGMENTS of the Circuit Court are a lien on all real
estate of debtor within the county from the date of
docket, and lien continues ten years. Judgments of
Justices become liens on filing transcript, and all liens
can be extended to other counties in like manner.
LIMITATIONS OF SUITS . On contracts not under seal,
six years : judgments of courts within the State and
sealed instruments, cause accruing within the State,
twenty years ; foreign judgments and specialties, cause
accruing without the State, ten years ; recovery of
bonds, twenty years . Revivor : Part payment or new
promise in writing; if by one joint debtor it revives
only as to him.
MARRIED WOMEN. The property of a wife, acquired
at any time, from any source other than her husband, is
held to her sole and separate use and disposal. She
may convey real and personal estate precisely as if unmarried, and although her husband does not join in her
deed of her separate property, his right of tenancy by
the curtesy will nevertheless be barred. She may sue
and be sued in her own name as to her sole property.
Her individual earnings are her own. Widow is entitled to dower or use for life of one-third part of all the
lands whereof her husband was seized of an estate of
inheritance at any time during marriage, unless lawfully barred.
MORTGAGES may be recorded in the office of the
Register of Deeds for the county wherein the land is
situated, and may be foreclosed by advertisement or by
suit in equity. One year is allowed for redemption.
Chattel mortgages are void as to third parties, unless
possession of the property passes to and remains in the
mortgagee. or the instrument, or a copy, be filed with
the last case,
the Clerk of the town, city or village. AIn
contract of sale
it must be renewed every two years.
is void as to
for,
paid
till
pass
to
not
is
where title
third parties, unless filed with Clerk of town or city
where vendee resides.
NOTES AND BILLS OF EXCHANGE . Days of grace are
allowed, except on bills, notes, and drafts payable on
demand. Bills drawn and indorsed within the State,
and payable out of the United States, when duly protested for non-payment, draw amount due. interest, current rate of exchange, and five per cent. damages. On
bills of exchange drawn upon any person or corporation out of this State, within some State or Territory,
and duly protested for non-acceptance or non- payment,
the drawer or indorser shall pay said bill with legal interest, five per cent. damages, and costs of protest.
Warehouse receipts are negotiable. Certificates of
deposit payable to order or bearer are negotiable as inland bills of exchange. Notes or bills maturing on
legal holiday, due next preceding secular day. Parties
severally liable on, may any, and all, be joined in one
action.
SUITS. Actions concerning real estate are brought in
the county where the land lies ; personal actions and
actions against foreign corporations, in any county.
TAXES are due and payable after the third Monday,
in December, and if not paid by the last Monday in
January following, may be collected by distress . Lands
on which taxes then remain unpaid are returned as delinquent, and are sold on the second Tuesday in May
for the tax, five per cent. penalty, interest, and costs.
Lands thus sold may be redeemed within three years or
any time before the tax-deed is recorded, by payment of
the amount sold for, with twenty-five per cent. interest
and costs.
WYOMING.
ACKNOWLEDGMENTS must be made before a Judge or
ASSIGNMENTS AND INSOLVENCY . No insolvent law,
Clerk of a court of record, or before any County Clerk, and no statute regulating voluntary assignments, which
Notary Public or Justice of the Peace within this Ter- are governed by the common law. A voluntary assignritory. If made out of the Territory, before any officer ment may be made to one or more creditors for the
authorized by the State or Territory, in which it is benefit of all.
made, to take acknowledgments, before the Clerk of any
ATTACHMENT may issue against all the property of
Court of Record , or before any Commissioner appointed persons who are non-residents of this Territory, against
by the Governor of this Territory for such purpose. foreign corporations, and may issue when the defendAcknowledgments must be subscribed to before two ant has absconded, or has removed or concealed, or is
witnesses who shall subscribe as such.
about to remove or conceal his property, or a part
COMMERCIAL LAWS.
thereof, with intent to defraud his creditors ; has property or rights in action which he conceals ; is about to
convert his property into money, with intent to defraud
his creditors; fraudulently contracted the debt or incurred the obligation for which suit is brought; and in
all cases where the debt does not exceed $250, is not
otherwise secured, and which has not been paid when
due, and within ten days thereafter on demand. Arrest
in civil actions may be made on the ground of fraud or
concealment of property, etc. Garnishee process may
be had in aid of attachment. Attachments against
foreign corporations do not require undertakings .
Property is not exempt from attachment and sale on
execution for the purchase money of said property.
COURTS. Terms and Jurisdiction. District Court is
held twice a year in each organized county, and has full
common law and chancery powers. There is a Probate
Court in each county. Justice's jurisdiction , $100.
EXECUTION may issue immediately after judgment
rendered, and is returnable in sixty days from a court
of record, and thirty days when issued by a Justice of
the Peace. There is no stay law except in Justice's
Courts and no provision for redemption.
EXEMPTIONS. Household furniture, provisions, etc.,
$500; tools, team, implements or stock in trade of
mechanic, miner or other person, kept for his trade or
business. $300 ; library and instruments of professional
man $300 ; homestead actually occupied as such by
head of family in country, 160 acres; in town, lot or lots
in value $1,500.
INTEREST. In the absence of express contract, all
moneys, claims or judgments draw interest at the rate
of twelve per cent. per annum. Any rate may be
77
agreed upon in writing; unsettled accounts draw interest after thirty days from date of last item.
JUDGMENTS are a lien on debtor's real estate within
the county from the time of entry, which lien continues
for five years .
LIMITATIONS OF SUITS. On contracts not in writing,
four years; upon specialty or agreement in writing,
five years: on all foreign judgments, or contracts made
or incurred before debtor becomes a resident, within
one year after he establishes residence in Territory ;
recovery of lands, twenty-one years. Revivor : Part
payment or acknowledgment in writing.
MARRIED WOMEN. A married woman retains her
property, both real and personal, may make a will, carry on business, sue and be sued,and retain her own earnings. She may also vote and hold office. There is no
law of dower.
MORTGAGES must be attested by two witnesses, acknowledged and recorded, and are foreclosed by bill in
equity. Chattel mortgages are subject tothe same rules
and must be renewed yearly. They cease to be valid
against creditors or subsequent purchasers in good
faith, after the expiration of two months from the
end of the term for which they are given, and may be
foreclosed by advertisement for not less than thirty
days.
NOTES AND BILLS OF EXCHANGE are subject to the
law merchant, and grace is allowed on all negotiable
paper, including sight drafts.
SUITS. There is but one form of action, and the
Code of Procedure is precisely similar to that of
Ohio.
CANADA .
INTEREST. The legal rate is six per cent., but parties
may agree upon any rate, but if no contract is made,
six per cent. only can be collected. Banks, by law,
can not charge more than seven per cent.
NOTES AND BILLS OF EXCHANGE. Three days ofgrace
are allowed on commercial paper. Promissory notes
and bills of exchange are negotiable, and are subject to
the right of set-off between the parties, but not as to
third parties, if acquired by them before they become
due. Protest fixes liability of indorser.
BONDS OF SURETYSHIP [
MAY BE OBTAINED AT THE LOWEST RATES FROM
The Canada Guarantee Company
Subscribed Capital, $500,000.
Paid Up Capital, $100,000.
Assets, November, 1880, $131,198.59.
HEAD OFFICE, 260 ST . JAMES STREET , MONTREAL .
It is the Only Company on the American Continent devoting itself exclusively to the business.
REFERENCE IS PERMITTED TO THE FOLLOWING :
M. M. KIRKMAN, Treasurer Chicago & North-Western R'y, Chicago, Ill.
W. G. PURDY, Treasurer Chicago, Rock Island & Pacific R'y, Chicago, Ill.
J. C. WELLING, Auditor Illinois Central R. R., Chicago, Ill.
C. F. SMITHERS, General Manager Bank of Montreal, Montreal, Can.
security to the employer, and are not surrounded by technicalities
The Bonds of this Company give absolute
or vexatious conditions.
VICE-PRESIDENT -JOHN RANKIN, Esq.
PRESIDENT-Sir A. T. GALT, G. C. M. G.
EDWARD RAWLINGS, Manager.
L.
THOMAS ,
H.
J
PROPRIETOR OF THOMAS' CELEBRATED
THE STANDARD BLACK INK OF AMERICA.
RECORD
Executive Mansion, Washington , D. C. , Oct. 9 , 1880.
* Thomas' Black Ink is the Best I have ever used.
O. L. PRUDEN , Sec'y.
U. S. Senate Chamber, Washington , D. C. , Dec. 10, 1877.
Your Black Ink is being used at House of Representatives ,
Supreme Court, and other offices at the Capitol, giving Universal
Satisfaction.
L. W. KENNEDY, U. S. Senate P. O.
INK
Jet Black from the
pen , and flows
perfectly.
ALSO, VIOLET COPYING , AND ALL OTHER COLORED INKS , AND MUCILAGE.
For Sale by all the Leading Stationers in every city in the United States.
OFFICE , 51 WABASH AVENUE, CHICAGO , ILL.
78
78
IMPORTANT TO CREDITORS .
UNITED
STATES
LAW
ASSOCIATION
.!
ESTABLISHED IN 1866.
FAIRCHILD & BLACKMAN,
Attorneys and Counsellors,
TRIBUNE BUILDING, CHICAGO.
DIRECTORS.
We have ample facilities in our own office for making Collections, and the transaction
of Commercial Legal Business in this city, and through our representatives and associates
at all other points.
We give PERSONAL ATTENTION to all important business received at this office, and
transact the same with every possible energy and dispatch.
WE REFER TO THE FOLLOWING CLIENTS.
FIRST NATIONAL BANK, Chicago.
HOME NATIONAL BANK,
66
SWEET, DEMPSTER & Co.,
Wholesale Hats and Caps, Chicago .
44
66
46
WOLFF BROS. & Co.,
HIDE AND LEATHER BANK, 66
Wholesale Grocers , Chicago .
W.J. QUAN & Co. ,
66
66
KELLOGG & BARRETT,
REID, MURDOCH & FISCHER, 66
CRIBBEN & SEXTON ,
66
66
CHICAGO & ERIE STOVE Co., 66
66
C. T. RAYNOLDS & Co. ,Wholesale Paints & Oils, "
66
66
66
THE ALSTON M'F'G Co. ,
66
JNO. W. MASURY & SON,
JNO. A. TOLMAN ,
66
WM. STEWART,
:6
66
66
66
66
KNOWLES, CLOYES & Co. ,
H. A. KOHN & BROTHERS , Wholesale Clothing, 66
66
CAHN, WAMPOLD & Co.,
EINSTEIN, LONGINI & Co.,
L. LOEWENSTEIN,
66
66
GEO. P. HOLMES & CO., 66
66
HEATH & MILLIGAN,
66
66
PARKER, COIT & Co. ,
66
66
WRIGHT & LAWTHER, Oil and Lead M'f'g Co.,
PITKIN & BROOKS,
Wholesale Crockery ,
66
"6
CHAPMAN, GRIER & Co.,
GREENSFELDER, ROSENTHAL & Co.,
Wholesale Boots and Shoes , 66
66
66
SHAY, KILDUFF & Co. , "
66
66
66
SELZ, SCHWAB & Co. ,
BROOKS BROS.,
FULLER, WARREN & Co. , Wholesale Stoves,
CHICAGO STOVE WORKS ,
66
66
(Rubber)
BENEDICT
FIELD,
& Co. , Wholesale Woolens,
66
HEIDWEYER & STIEGLITZ,
66
66
46
FRENCH, POTTER & WILSON, "6
WM. BLAIR & Co. , Wholesale Hardware,
"6
SIDNEY SHEPARD & Co.,
66
BRINTNALL, LAMB & Co.,
CARSON, PIRIE, SCOTT & Co. , Wholesale DryGoods, "
GIMBEL, FLORSHEIM & Co.,
Wholesale Hats and Caps, 66
66
"6
"6
66
66
BEST, RUSSELL & Co., Wholesale Tobacco,
66
M. E. MCDOWELL & Co. ,
""
PIONEER TOBACCO Co. ,
ROTHSCHILD, SCHROEDER & ELIEL,
66
66
66
79
FIDELITY
GUARANTEE
ARE ISSUED BY THE
BONDS
Fidelity and Casualty Co. of New York.
THE ONLY COMPANY IN THE UNITED STATES
Guaranteeing the fidelity of persons holding positions of pecuniary trust and responsibility, thus securing a
CORPORATE GUARANTEE in lieu of a personal bond where security is required for the faithful
performance of the duties of employes in all positions of trust.
FULL INFORMATION CAN BE OBTAINED AT THE OFFICE, 187 BROADWAY.
LYMAN W. BRIGGS , Vice-President.
WM. M. RICHARDS, President.
JOHN M. CRANE , Secretary.
EDWARD STARK, General Agent.
DIRECTORS :
George T. Hope, A. B. Hull, G. G.Williams, W. G. Low, A. S. Barnes, H. A. Hurlbut, Geo. S. Coe, J. S. T. Stranahan,
Charles Dennis, Wm . M. Richards, H. B. Claflin, John D. Mairs, Lyman W. Briggs , S. B. Chittenden.
ESTABLISHED 1837.
S.
D.
CHILDS
ENGRAVERS , FANCY
&
CO . ,
STATIONERS
AND STEEL PLATE PRINTERS,
76 Washington Street , corner Dearborn , Chicago .
WEDDING
INVITATIONS ,
MARRIAGE
NOTES .
CALLING, PROFESSIONAL AND BUSINESS CARDS.
Monograms and Crests Designed , Engraved and Stamped .
NOTARIAL ,
CORPORATE
AND
PACKAGE
SEALS .
Rubber Hand and Self Inking Stamps.
CHECK PROTECTORS , COIN CASHIERS , DOOR PLATES .
Correspondence Solicited.
T.
Satisfaction Guaranteed .
J.
CHEW,
NEGOTIATOR
- AND-
OF
JR.,
LOANS,
Dealer in Stocks , Bonds and other Securities .
Loans on improved City or Country Property on long time promptly
negotiated at lowest rates of interest.
Office, Northeast Cor. Third and Felix Sts. , ST. JOSEPH, MO.
Over Bank of St. Joseph.
BROWN
211 Chestnut St., [
Philadelphia.
BROTHERS
&
CO .
59 WALL ST. , NEW YORK .
AND
{
66 State Street,
Boston.
ALEXANDER BROWN & SONS ,
Cor. Baltimore and Calvert Sts., Baltimore.
BUY AND SELL BILLS OF EXCHANGE
On Great Britain , Ireland, France, Germany, Belgium and Holland .
ISSUE COMMERCIAL AND TRAVELERS' CREDITS , IN STERLING,
Available in any part of the world, and in Francs, for use in Martinique and Gaudaloupe.
MAKE TELEGRAPHIC TRANSFERS OF MONEY
Between this and other Countzles, hrough London and Paris .
Make Collections of Drafts drawn abroad on all points in the United States and Canada,
and of Drafts drawn in the United States on Foreign Countries.
TO TRAVELERS . -Travelers' Credits issued either against cash deposited or satisfactory guaranty of
repayment : In Dollars , for use in the United States and adjacent countries ; or in Pounds Sterling, for use in
any part of the world. Applications for credits may be addressed to either of the above houses direct, or through
any first-class Bank or Banker.
BROWN , SHIPLEY & CO . ,
26 Chapel Street, Liverpool .
BROWN, SHIPLEY & CO . ,
Founder's Court , Lothbury, London .
JAMES STOKES .
I. N. PHELPS .
PHELPS ,
General
STOKES
Domestic &
45 Wall
&
Foreign
CO . ,
Bankers
St. , New York .
ACT AS AGENTS FOR BANKS
DRAW
F. P. OLCOTT,
Member of N Y. Stock Exchange.
ANSON PHELPS STOKES .
BILLS
ON
&
BANKERS .
LONDON.
Issue Travelers ' and Commercial Credits available in any part of the World.
Buy and Sell Stocks, Bonds, and Government Securities.
LONDON CORRESPONDENTS :
THE UNION BANK OF LONDON,
Messrs. C. J. HAMBRO & SON.
80
ALABAMA
.
.AND
COUNTY
TOWN
Abbeville
6
Limestone
Jefferson
Athens
Birmingham
66
Barbour
66
66
Florence
Gadsden
Gainesville
Greensboro
Greenville
Huntsville
66
Lafayette
.
Marion
..
Mobile
.
Lauderdale
Etowah
Sumter
Hale
Butler
Madison
66
Chambers
Perry
Mobile
66
66
66
66
66
..
Shelby
Montgomery
...
66
66
Montevallo
66
"6
66
66
66
Opelika
66
66
66
66
66
66
66
Lee
.Henry
,(Collection
Gordon
)A.C.
Ag't
LAlexander
.Renfro
&ancaster
City..Tallapoosa
.
Tanner
T.
John
Linn
C.
Birmingham
of
Bank
.National
Co
&
Hudgins
L.
T.
...
..
WTallapoosa
&right
Vaughan
R-Marengo
&obertson
Prout
Eufaula
.
Bank
National
S.
..
Dent
H.
Co.
&
McNab
John
W.
Co
&
Campbell
..P.
C,B(Glenn
.)&
rockway
o
Bank
Gadsden
of
.D.
Woodruff
C.
McCrary
F.
D.
Steiner
Joseph
National
Bank
JHuntsville
.ofames
Mastin
H.
W.
Co.
&
Rison
R.
o
..C&
Andrews
Bank
Savings
Marion
John
Howze
.
Bank
.
Mobile
of
H.
W.
.Pratt
Bank
National
First
James
.
Masson
H.
Mobile
Bank
Savings
Thomas
Henry
..
National
.
Bank
Commercial
Winston
A.
Bank
Savings
People's
Peter
Stark
CWm
..Garnett
.A.o
&
Miller
CP.o.
&
Thomas
3)Card
.(S98.
,p
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Vandegrift
C.
..
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National
First
Baldwin
O.
William
PMerchants
'N&lanters
ABk
Peck
.
.B.
J.
Co.
&
Adams
R.
CSFarley
pear
&
, o.
C,Do.
Lehman
&
urr
&
Morris
Josiah
Co.
..
Wolffe
Frederick
Shapard
B.
Bank
The
Opelika
.W.
……
….of
.(S98.
,p
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)3Card
Brothers
Renfro
Calhoun
,So.
CDraper
&
on
.
CASHIER
PAID
-UP
CAPITAI
.
CORRESPONDENT
.N
SURPLUS
YORK
EW
CHICAGO
Co.
Lawrence
&
Bros.
..&o
CClews
Henry
o
..C&
, lexander
ALatham
f
.o5$,000
Bk
National
Republic
the
Bank
National
Hanover
.
.'&raders
Bk
NTImporters
Bank
Park
National
Bk
Nat
Exchange
.American
10,000
National
Bk
.of
the
Republic
Lancaster
T.
J.
William
Berney
.
William
..
Cameron
J.
Edw
Young
.B.
C.
Rhodes
Campbel
P.
.W.
l
Martin
Joseph
.
Fowlkes
H.
S.
Manly
F.
R.
..
Bowers
Lloyd
J.
McMillan
B.
..
Punch
M.
A.
,Jr.
Bidgood
S.
T.
50,000
$
58,000
Merchants
,L'Nouisville
.B.
.
Bouisville
Nat
.,LSecond
k
Louisiana
Bank
.,NN..
0
B.k
Nat
Orleans
.,NNew
0
SB.
'N.avannah
,Merchants
First
Bashville
.,NNat
k
100,000
50,000
375,000
300,000
100,000
300,000
140,000
5,000
25,000
100,000
25,000
10,000
Clexander
&
o
Latham
,A..
Third
Bank
National
National
Bank
Park
Lehman
Bros.
.' ational
Bank
NMerchants
8,800
.
America
of
Bank
..
o
C, anier
&
LWinslow
.
Traders
'&
.'NImporters
Bk
'National
Merchants
..
Bank
.Ex
Mer
B.
N.
Tradesmen's
.;
.
Bk
N.
Exchange
American
'N..ational
Mechanics
Bank
Mechanics
'Bank
National
..
A.
B.
N.
York
New
of
Bank
Nat
.,MCobile
Bk
ommercial
Bobile
Sav
.,MMobile
ank
People's
Bobile
.,MSav
ank
.Union
Bank
National
.
Bank
National
First
O.
'Bf.k
.,NoCitizens
La
NMerchants
.' ational
Bank
;Mliss
LB.&
C
ouisiana
o
,NGer.A.B.
Bank
.N.
0
.orton
Charles
Campbell
J.
225,000
..
Robert
Goldthwaite125,000
.J.
Stettenheim
McName
M.
J.
e
..
25,000
50,000
13,316
.
.N'&raders
Bk
TImporters
City
.;Nat
N.
.Ninth
Bk
Traders
&
.'NImporters
Bk
.
National
Bank
Park
Chatham
.
Bank
National
Lehman
Bros.
Bank
.National
Hanover
N.
&
.Continent'l
Bks
Park
1,424
.
Bank
National
Continental
CWinslow
..
o
,Lanier
&
Traders
&
.'NImporters
Bk
.
,New
N.B.
Germania
Orleans
,Mobile
Mobile
of
.Bank
CLehman
,N&
.O.
Ao.
braham
'Bank
.Traders
Louisiana
,New
B.
N.
Orleans
,N.
Bank
N.
.Mutual
0
Co.
&
.,TIsbell
alladega
81
"6
Oxford
PRESIDENT
.
BANKS AND BANKERS — ALABAMA.
Dadeville
Demopolis
Eufaula
....
NAME
.
BANK
OF
Ala.
NAME
.
BANK
OF
TOWN
.
COUNTY
AND
..
Parrish
G.
Albert
....
Baker
E.
Alpheus
Wm
Armstro
.P.
ng
Richard
M.
Nelson
Selma
PAID
U- P
CAPITAL
.
CASHIER
.
Green
D.
Henry
McLeste
Joseph r
F.
W.
Fitts
.
J.
F.
Leary
E.
Wilkerson
B.
Frank
Moody
S.
.
Sessions
L.
CORRESPONDENT
NOUIS
SURPLUS
.LYORK
ST
EW
N'Importers
.Bk.
4300,000
T$
&
6,000
raders
B;tate
SHanover
Park
,N
Bk
.N.
Orleans
ew
150,000
N
.Bk
Importers
Traders
''&
Continental
National
.
Bank
Third
.6,250
Bank
National
National
Bank
Republic
...
Bark
Park
National
Co
&
Wilson
T.
R.
60,000
.
ARIZONA
Globe
Phoenix
Prescott
.
Tombstone
.
Tucson
.
"6
,Fisk
Stout
CPinal
..&
o
.W.
Kales
M.
.W.
Kales
M.
Maricopa
Arizona
of
Bank
Agency
Yavapai
Pima
66
66
"L
.
Arizona
of
Bank
.County
Bank
Pima
Agency
CHSafford
udson
&
, o.
Bank
County
.Pima
Safford
C,Houdson
..&
.Lewis
Sol
000
50
M
,Asst
Solomon
gr
.H.
P.
,Mngr
Smith
.W.
M.
B.
Clapp
Jacobs
M.
B.
.
Hudson
Edward
Tully
R.
P.
50,000
20,000
Laidlaw
Co.
&
10,302
Co.
&
Laidlaw
..
Bank
National
Ninth
Wo.
J.
.
CSeligman
&
CNat
&hemical
.BNinth
ks
Seligman
Wo.
.
&
CJ.
ARKANSAS
.
Bentonville
Dardanelle
Fayetteville
66
Fort
.
Smith
Helena
.
Hope
.
Hot s
.Spring
66
Rock
Little
16
Bluff
.Pine
Searcy
McReyno
D.
S.
lds
...
CAgent
( ollection
Jessup
)M.
Wm
.McIlroy
FReed
&erguson
66
Sebastian
Bfk
.oNat
Arkansas
Western
Bank
.Phillips
Phillips
County
Son
&
Hornor
S.
John
..
66
Jack
C&o. s-66
----.Hempstead
.
Bank
Exchange
Hope
Garland
Arkansas
..
Bank
State
66
German
.
Bank
Pulaski
'National
.Merchants
Bank
66
WParker
&orthen
66
Jefferson
White
...
Greer
B.
G.
Benton
Yell
Washington
.Bernard
Baer
Walterhouse
(C.
).A.
Clint
Davenpo
rt
.
..
John
Rutherford
F.
John
55,000
Ayers
....
,Asst
Robinson
M.
.F.
20,000
N11,000
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66
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PRESIDENT
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LANKS AND BANKERS - CONNECTICUT
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CASHIER
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-CONNECTICUT.
66
66
66
66
"
.
PRESIDENT
BANKS AND BANKERS
New
...
London
66
NAME
.
BANK
OF
92
continued
.CONNECTICUT
Roston
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evere
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edemption
at
k
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k
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c
. ontinued
CONNECTICUT
-
.COUNTY
AND
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66
66
66
66
66
"6
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66
66
66
66
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66
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66
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66
66
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66
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66
66
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66
66
66
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66
66
66
66
66
66
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tal
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Pawcatuck
PRESIDENT
.
BANKS AND BANKERS - CONNECTICUT.
..
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Pawcatuck
.OF
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NAME
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NAME
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.
First
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66
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66
66
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66
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66
66
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66
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66
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66
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66
"6
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66
66
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66
66
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··
·་
66
་
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66
16
66
Woodbury
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SURPLUS
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BANKS AND BANKERS - CONNECTICUT.
66
66
PAID
-UP
CAPITAL
.
94
CONNECTICUT
continued
.-
First
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66
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66
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66
66
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BANKS AND BANKERS - DAKOTA.
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.
PRESIDENT
112
ILLINOIS
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Cnd's
&
Fletcher
.,IA.
o.
S.,IFletcher
&harpe
nd's
INDIANA
continued
.-
TOWN
AND
COUNTY
.
North
Manchester
Wabash
..
Benton
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Madison
Miami
66
Oxford
Paoli
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....
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66
Pike
PRESIDENT
.
Manchester
.
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..
of
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esse
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.
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n
Milton
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payde
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...
.
Shawhan
James
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Thornton
W.
..
Portland
66
66
Princeton
66
66
Rensselaer
แ
66
Richmond
66
66
66
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Sun
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..
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Rockport
.
.
Rockville
66
66
66
66
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Ohio
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66
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66
66
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of
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s
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s
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o
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o
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ank
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ank
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incinnati
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ank
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ank
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o
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.
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ank
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.
CASHIER
.
BANKS AND BANKERS — INDIANA.
Petersburg
.
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.
BANK
OF
NAME
TOWN
AND
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.
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Joseph
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.
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..
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Bend
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6"
..
66
"
..
Owen
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.
..
Haute
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66
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66
66
6"
66
66
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་·
66
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66
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66
66
66
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66
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66
66
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e
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o
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66
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.;
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.
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.
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.
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....
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hirk
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.,F.ss't
CHICAGO
.CORRESPONDENT
32,000
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..
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3,400
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o
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.
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..
100,000
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J.
.
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..
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H.
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..
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Francis
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.
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William
.
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38,600
75,000
4,721
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60,000
16,500
6,000
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ICitizens
.,'Nnd's
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ational
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&
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harpe
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in
at
k
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BANKS AND BANKERS - INDIANA.
Spencer
.
46
Sullivan
.
66
PRESIDENT
.
122
INDIAN
c
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.-
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k
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in
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.,INat
k
Bnd's
Indianopolis
.
Bank
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First
.'National
Bank
Merchants
.
continued
INDIANA
.AND
COUNTY
TOWN
Zionsville
PRESIDENT
.
...
Breen
N.
..John
Bank
National
Washington
Hyatt
C,Levings
&
.......
o
.' ank
B
Citizens
DeKalb
.
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Winamac
of
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A.
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Merchants
&
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'B
ank
.
Reed
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..
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.
Stone
A.
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(L.
).L.
Bank
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William
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.
Boone
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J).M.
( ohn
Bradley
CASHIER
.
PAID
-UP
CAPITAL
.
.CYORK
CORRESPONDENT
EW
NHICAGO
SURPLUS
Richard
...
Read
N.
Levings
W.
J.
Waterman
.Miles
Abbey
T.
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W. gH.
Bouslo
Moorman
F.
.T.
Martin
A.
W.
25,000
30,000
500
2,000
80,000
100,000
5,500
1,950
C.
.
Shaw
N.
50,000
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Bank
Third
1$
0,000
55,000
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o
C, anier
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LWinslow
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' xchange
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.
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tal
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in
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k
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at
ank
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ank
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in
BANKS AND BANKERS - INDIANA.
Washington
Daviess
66
66
Waterloo
.
Kalb
De
66
66
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Winamac
Winchester
.
66
66
Wolcottville
Worthington
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NAME
I.,First
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ank
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ank
123
IOWA
.
124
COUNTY
AND
.TOWN
.
Atlantic
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o
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..
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..
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66
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Buena
Vista
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Story
66
Jones
66
Cass
Butler
66
65
Cass
66
66
.
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..
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Pottawattamie
Bedford
Taylor
66
.
Plaine
Belle
.Benton
66
66
Bellevue
Jackson
.6
66
Belmond
.Wright
Bentonsport
..
Buren
Van
Birmingham
..
66
Blairstown
Benton
66
.
Blanchard
Page
66
Monroe
First
National
.
Bank
County
Monroe
The
..
Bank
.Birdsall
SBenj
&
....
on
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Algona
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County
Kossuth
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..
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ank
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.A.
R.
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.&ainbolt
RGreeley
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&atters
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&
choonover
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of
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&
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&
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..
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B.
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..
on
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CASHIER
.
PAID
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.
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Elbert
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Ben
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50,000
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1,200
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.
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on
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Hanover
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.
Lambert
L.
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.)Truman
..
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.
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.
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s
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(F) . ney
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C.
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John
....
Gerberich
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.
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H.
Whitney
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.
John
Fleet
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Sweet
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Chas
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10,000
60,000
25,000
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40,000
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5,000
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&
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o
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on
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&
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.).B.
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.
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TImporters
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.
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F.
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Malony
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John
.
E.
T.
Riseley
D.
50,000
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2,500
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CHICAGO
CORRESPONDENT
.
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ean
C&
Bank
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.
Union
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.
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.
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BANKS AND BANKERS — IOWA,
AckleyAdel
Afton
Albia
66
Alden
Algona
..
66
Allerton
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..
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..
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66
Anamosa
66
Anita
Aplington
.
PRESIDENT
.
.
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NAME
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National
.
Illinois
of
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.,S.Bt.k
Louis
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oity
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fan
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.C,Kan
137
.
PRESIDENT
BANKS AND BANKERS — KANSAS.
.Cloud
66
"6
Cottonwood
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.
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..
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..
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.
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66
·
66
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.
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66
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66
.
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.
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66
66
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.
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o
.
Holton
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66
66
66
66
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.
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Allen
.
Hunnewell
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66
66
PAID
-U
P
CAPITAL
.
NAME
.
BANK
OF
Kan
KANSAS
continued
.138
.AND
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TOWN
Hutchinson
.
66
66
66
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...
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...
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66
66
66
66
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66
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..
.
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66
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66
C"
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66
.
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.
CASHIER
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20,000
$
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YORK
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awson
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100,000
100,000
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150,000
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BANKS AND BANKERS - KANSAS.
Iola
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66
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66
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of
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66
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66
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o
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66
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of
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..
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66
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66
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66
.Reno
66
.
PRESIDENT
NAME
.
BANK
OF
.
Dudley
H.
W.
Case
E.
A.
.
Koester
F.
Charles
.
Sutherland
C.
5,030
50,000
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pdyke
C.Oo.
&
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...
.
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6,000
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....
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awson
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3,277
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c
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.
AND
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.
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66
66
66
Minneapolis
.
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66
66
Paola
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.
66
Peabody
66
Pleasanton
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.
Sabetha
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.
CASHIER
.
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.
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ank
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50,000
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10,000
15,000
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o
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on
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o
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..
25,000
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..
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of
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50,000
20,000
25,000
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J.
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.Theo
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NHICAGO
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YORK
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Neodesha
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46
North
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.
..
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.
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66
Onaga
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..
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..
66
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o
.
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.
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of
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J.
C66o
&
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W.
....
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..
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66
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of
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..
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"
66
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Miami
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...
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66
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..
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66
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Sabetha
State
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.
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W.
John
66
Sherrin
John
PRESIDENT
.
BANKS AND BANKERS
"
"
.
OF
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NAME
.
COUNTY
AND
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PRESIDENT
.
.
CASHIER
PAID
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of
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.
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66
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..
..
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a
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Topeka
66
66
Guilfo
Dudle
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66
.
66
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66
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66
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66
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66
66
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66
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66
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Henry
66
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.
.
Falls
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of
..
Hicks
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&
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66
66
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.....
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Wam
.Pottawatomie
Rogers
C.o
J.
C
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ton
..
.
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Waterville
Marshall
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T.
S.
Wellington
.
Bank
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Sumner
.
Woods
G.
John
66
66
Sedgwick
Merchants
&
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.'B
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.
Wichita
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Arkansas
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66
..
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"6
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.
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66
66
Wichita
.
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Banks
Read'
L.
Winfield
M.
Cowley
Winfield
.
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.&on
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..Wyandotte
W.
M.
Congdon
..
Edwin
.
Knowles
.
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S.
N.
Warren
S.
Park
..
2$5,000
10,000
40,000
10,000
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Hazard
R.
Willis
Brown
...
1$2,000
5,000
8,000
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S.
W.
Wilson
E.
Amos
C.
J.
Rogers
10,000
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'Bollinger
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ank
HCounty
(Lof
andis
)&
.Elliott
Q.
W.
15,000
9,500
Amos
Wilson
.,AE.ctg
Kountze
..
Bros
..
Bank
National
First
..
America
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of
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,Limpson
SDonnell
&
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National
.
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...
Bank
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..
Bank
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..
Bank
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Bank
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....
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'N'&
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.
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C(Jo.
&
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).J.
ay
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John
C.
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.National
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28,500
.Bk.
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of
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National
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....
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.
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....
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' xchange
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SLDonnell
awson
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100,000
100,000
58,000
Jonathan
.
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50,000
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.
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.National
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SLDonnell
&
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50,000
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.
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J.
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30,000
75,000
......
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T.
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W.
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M.
,
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L.
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25,000
52,000
75,000
50,000
50,000
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.
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.,Louis
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fan
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66
NAME
.
BANK
OF
140
KANSAS
continued
.-
CBk
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oity
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t.k
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t.L
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UCKY
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66
66
66
66
66
66
..
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66
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"6
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66
66
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ouisville
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o
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141
.Pendleton
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66
66
66
Adairvill
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arbeson
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.
BANKS AND BANKERS- KENTUCKY.
Adairville
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.
Augusta
.
.OF
BANK
NAME
Ky.
KENTUCKY
continued
.-
142
.OF
BANK
NAME
.AND
TOWN
COUNTY
Deposit
....
Bank
66
66
CASHIER
.
PAID
-UP
CAPITAL
.
E.
Samuel
L.
.
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John
.
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YORK
CORRESPONDENT
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2,863
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66
66
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66
"
Hopkinsville
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66
66
66
Horse
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66
66
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66
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66
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Louisville
66
66
66
66
66
..
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Herndon
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(B.ranch
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r
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..
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12,150
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530,000
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1,645,100
732,000
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of
ank
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BANKS AND BANKERS — KENTUCKY.
Georgetown
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,(B.ranch
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Frankfort
66
66
PRESIDENT
.
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.9,600
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of
200,000
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Park
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50,000
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o
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4,000
6,000
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ank
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CCommercial
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.,Bk
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ank
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of
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KENTUCKY
continued
.-
TOWN
.
COUNTY
AND
.
Louisville
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
66
.First
Bank
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Graves
..
Mayfield
Maysville
66
66
Midway
66
PAID
U- P
CAPITAL
.
13$6,158
09,000
115,000
500,000
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W.
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Schmidt
L.
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J.
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WCORRESPONDENT
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EW
.YORK
188,400
260,000
251,500
180,000
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irst
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Theodore
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erchants
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E.
Banks
H.
.
Bank
First
National
Goodwin
..
John
M.
Bank
.County
Savings
York
Montgomery
..
Bank
Savings
Bay
Booth
..R.
Carr
P.
R.
......
..
Bank
Village
National
Sagadahoc
William
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Penobscot
..
Bank
Savings
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.
Rufus
.
Gibbs
Bank
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Bridgton
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..
Carvill
Henry
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.
Bank
First
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Palmer
T.
N.
..
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..
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Stone
Daniel
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v
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..
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J.
.
Bank
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..
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.
Bank
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Knight
.....
.
Bank
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S.
.
Bank
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.
Austin
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Bank
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Bradbury
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.
..
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Charles
..
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..
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.
Bank
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J.
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.
Parcher
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Wm
.Connor
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..
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.......
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.
Cutler
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County
Franklin
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.
G.
F.
...
Bank
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River
Sandy
James
...
Stone
....
Bank
National
Cobbossee
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....
Bradstreet
Joseph
Gardiner
..
Bank
National
....
Thompson
Robert
Institution
Savings
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Joshua
..
Bank....
National
Gray
Oakland
..
..
Ridlon
Bank
Savings
Gorham
.Cumberland
Joseph
.Kennebec
Bank
National
American
Institution
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.
Hallowell
.
Bank
National
Northern
P.
....
Sanborn
F.
Smith
...
E.
Justin
Smith
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Justin
CASHIER
.
PAID
-P
U
CAPITAL
.
CORRESPONDENT
.NEW
SURPLUS
.YORK
Bank
.National
Gallatin
3..
$
7,000
Goodwin
1E.50,000
Charles
,Tr
Page
F.
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..
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Tr
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.W.
Sampson
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50,000
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..
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,r
Perley
P.
George
Winchell
M.
J.
.,T
r
100,000
...
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J.
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50,000
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L.
Stover
......
..
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H.
Lemuel
100,000
.A.
Randall
H.
100,000
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dy
Swaze
.
Nelson
Frank
..
50,000
.
Stetson
F.
J.
Richards
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C.
.,T
r
William
50,000
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....
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.,T.Hamilton
r
100,000
....
Curtis
W.
Charles
Kittredg
B.
C.
.,T
r
e
Jr.
Nutt
B.
N.
,T
...
r
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H.
George
75,000
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.T
Pratt
G.
E.
.,T
r
.
Pratt
G.
E.
50,000
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Merrill
,J.r
.T
F.
T.
Belcher
75,000
........
Johnson
100,000
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50,000
W.
.Fred
Hunton
,Tr
Lewis
.Weston
50,000
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S.
....
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r
.,T
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Henry
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27,000
100,000
BOSTON
.
CORRESPONDENT
.
Bank
National
Suffolk
.
Commerce
Bank
National
National
Bank
Redemption
.
6,257
P,J.B.Brown
Sortland
&
ons
20,000
2,400
16,830
13,600
39,000
100.000
1,200
15,000
3,200
16,164
3,000
23,305
30,000
22,000
140,000
40,850
75,000
17,343
100,000
25,000
First
Bank
National
.
Bank
National
Ninth
BANKS AND BANKERS - MAINE.
Boot
.Bay h
Bowdoinham
Brew.er
.....
Bridgton
Cumberland
Brunswick 66
66
66
66
66
66
66
66
66
Bucksport
Hancock
Calais
Washington
......
..
Camden
Knox
24
66
Damariscotta
Lincoln
..
Dexter
..
Penobscot
66
66
.
Dover
.Piscataquis
....
Eastport
Washington
.
66
66
.Ellsworth
.
Fairfield
66
66
Farmington
.Franklin
.....
663
66
Gardiner
.
66
66
66
66
66
66
..
Gorham
.OF
BANK
NAME
148
continued
.MAINE
Bank
.Heather
LNat
&
ide
National
Bank
Redemption
.
.
Bank
Security
National
Heather
LNat
.&
Bank
ide
.
Bank
National
Pacific
.
Bank
National
Globe
Bank
National
Blackstone
.
National
Bank
Redemption
.
.Blackstone
Bank
National
.
Bank
National
Blackstone
.
Bank
National
Blackstone
Wallou
.BGeo
C&
o.m
Bank
National
.North
Bank
National
.Maverick
National
Redemption
.Bank
National
Maverick
.Bank
Exchange
.National
Bank
National
.Maverick
Bank
Maverick
National
Bank
.
Boston
.
Bank
National
Suffolk
.
Bank
National
Bank
Exchange
.National
National
.
Redemption
Bank
. ontinued
c
MAINE
TOWN
.
COUNTY
AND
Houlton
.
..Aroostook
Kennebunk
.
66
"6
Lewiston
66
66
66
66
Limerick
.
Lubec
.
.York
Washington
.Washington
Lincoln
York
.Oxford
66
Penobscot
.Machias
New
.
Castle
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North
Norway
.
66
Oron
o
.
66
"6
Washington
Franklin
Pembroke
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..
66
"
Cumberland
.
Portland
66
…
66
Houlton
..
Bank
Savings
Almon
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...
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...
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National
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.......
Edward
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....
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Joseph
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John
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&
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.
Bank
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New
.
Bank
National
Berwick
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.
Bank
National
Norway
.Bank
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Norway
..
Bank
National
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..
Bank
Savings
Orono
Bank
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Pembroke
..
Bank
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Phillips
.
Bank
National
Union
.Bank
National
Canal
Bank
National
Casco
.Bank and
National
Cumberl
..
Bank
National
First
..
Bank
Savings
Maine
.'National s
Bank
Merchant
.Traders
'Bank
National
..
Bank
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Portland
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&ons
Brown
J.
.
Hanson
Samuel
H.
Co.
&
Payson
M.
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Swan
Barrett
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...
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Ignatius
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Joseph
.
Hill
William
Wm
.,2Fdrost
Robert
Noyes
.
.
Webster
Eben
..
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W.
N.
..
Beal
B.
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...W.
Thomas
Farrington
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..
H.
..
Jose
N.
Harrison
Libby
..J.
Samuel
.
Rolfe
.
McLellan
Jacob
.
Messer
G.
Frederick
John
..
Brown
B.
CASHIER
.
PAID
U- P
CAPIT
.
AL
SURPLUS
NOSTON
EW
CORRESPONDENT
.BYORK
,Tr
Bradford
H.
.John
Joseph
,Tr
.Dane
C.
Littlefield
W.
TParker
r
.,F.
Templeton
L.
A.
..
William
Libby
.
Addison
Small
.,Tr
National
Bank
.Redemption
21$0,000
00,000
400,000
200,000
First
.
Bank
National
.
Bank
National
First
175,000
6,000
....
Lane
C.r
J.
.,T
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.,T
L.
Keith
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D.
n
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.
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D.
.M.
Henry
,Tr
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, r
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Wm
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W.
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r
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..
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Edward
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100,000
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.
National
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f
.]oBk
National
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.
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of
Bk
.National
Co.
&
Sweet
A.
Charles
.National
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Revere
National
Bank
Redemption
.
National
Bank
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.]
National
Bank
Redemption
.
25,000
6,472
6,500
National
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of
.Bank
50,000
50,000
600,000
1,400
400,000
800,000
108,850
250,000
300,000
300,000
300,000
180,000
113,000
.800,000
Bank
National
Ninth
400,000
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Bank
National
.First
Bank
National
.'N&
Bk
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T.raders
.
Bank
Phenix
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..
Bank
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CWinslow
,Lo.
&
anier
..
Bank
National
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Bank
National
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..
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of
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raders
.
Bank
National
Blackstone
'National
.Merchants
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Second
.
Bank
National
.National
Bank
Redemption
N.B.
CNorthwestern
,.| hicago
National
.Shawmut
Bank
.Maverick
Bank
National
Brewster
C,Bassett
&
o.
Foote
French
.&
,Hill
CRichardson
&
o.
149
66
66
66
66
"6
"6
66
66
66
66
66
66
.6
66
66
66
66
66
PRESIDENT
.
BANKS AND BANKERS – MAINE.
66
66
66
66
NAME
.
BANK
OF
.AND
COUNTY
TOWN
Richmond
66
16
.......
Rockland
66
66
Knox
66
66
66
66
66
66
York
..
66
Waldo
Somerset
Searsport
...
Skowhegan
.
66
66
.
66
York
66
South
..
Berwick
66
Paris
South
Thomaston
66
66
Tremont
.
66
60
Lincoln
Waldoboro
.
66
66
Waterville
.
66
66
66
66
..
66
Buxton
..West
66
Winthrop
..
Wiscasset
.
66
York
Kennebec
Waterville
West
..
66
66
Linc
"6
..
Bank
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hoc
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.
Bank
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...
Bank
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Richmon
.
Bank
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Rock
Lime
.
Bank
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North
..
Bank
National
Rockland
Bank
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Rockland
..
Bank
National
Saco
.
Bank
Savings
Saco
.
Bank
York
National
.
Bank
Savings
Searsport
...
Bank
National
First
Bank
.National
Second
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Savings
Skowhegan
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Berwick
South
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..Berwick
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South
Bank
Oxford
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Paris
South
.National
Bank
Georges
Knox
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Thomaston
..
Bank
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..
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Savings
Tremont
Hancock
.
PRESIDENT
Levi
.
Mustard
.H.
Theobald
Geo
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Southard
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John
T.
Berry
..
.
Bird
J.
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..
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Robert
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..
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Joseph
....
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....
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..
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James
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.....
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.
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..
Jewett
D.
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.
Jewett
D.
W.
Shurtleff
Alva
...
O'Brien
E.
Edward
Jordan
L.
J.
Dillingham
L.
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..
Clark
H.
Jackson
W.
Samuel
National
.
Bank
Medomak
.
Reed
Isaac
National
Bank
Waldoboro
John
Ware
......
Bank
..'National
Merchants
Kennebec
.
Webber
John
..
Bank
National
People's
Samuel
Appleton
..
National
..
Bank
Ticonic
Foster
Reuben
..
Waterville
Bank
Savings
.
Dow
Oliver
.'&
Bk
SBuxton
avings
Hollis
.A.
Benjamin
P.
National
.Waterville
Bk
West
.....
Ayer
John
West
.
Bk
Savings
Waterville
Charles
..
Bailey
M.
National
...
Winthrop
of
Bank
..
Ingalls
Henry
Bank
..
National
First
.P.
Lennox
William
Bank
.Savings
Wiscasset
CASHIER
.
...
$5M.
0,000
Joseph
Odiorne
William
Stuart
H.
Samuel
.
Jack
W.
.W.
Berry
George
..
Farwell
T.
N.
Wiggin
Howe
.G.
Titcomb
H.r
T
,W.
-UP
PAID
.CAPITAL
120,000
105,000
100,000
150,000
100,000
Scamman
T.
..
TScamman
Geo
,.Wr.
,Tr
Burnham
P.
.Edw'd
John
100,000
Bradbury
..C. ....
.F.r
Chas
,T
Gordon
..
..
Page
N.
George
125,000
.
Fellows
James
Page
P.r
Edw'd
,T
....
100,000
John
.
Walker
F.
H.r
TPlumer
.,John
Wilson
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Geo
.,T
110,000
.
Levensaler
C.
John
Frank
..
Jordan
H.
100,000
Smith
TS.
,C.r
......
,Treas
Wilson
G.
.John
.
Allen
George
50,000
50,000
B.
Haskell
.
Bates
D.
Horatio
100,000
200,000
.
Percival
Homer
100,000
..
Plaisted
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Drummond
R.r
E.
.,T
EChas
Weld
,. .r
T
....
75,000
George
....
Bryant
H.
.,T
Bryant
H.r
George
M.
John
Benjamin
....
100,000
..
Sewall
W.
Frederick
100,000
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Wm
Patterson
....
B. OSTON
YORK
CORRESPONDENT
SURPLUS
.N
EW
1,913
$
20,000
.
Bank
Exchange
National
.Suffolk
Bank
National
7,000
5,000
Maverick
N.B.
Pacific
.;
N.B
.Maverick
Bank
National
.
Bank
Exchange
National
First
.
Bank
National
.National
Bank
Park
40,000
Shawmut
.
Bank
National
20,000
35,000
National
Bank
Chemical
50,000
150,000
39,800
Globe
.
Bank
National
National
.
Bank
Freeman's
.
Bank
Exchange
National
Bank
.&
Nat
LHeather
ide
Nat
ide
LH.&
eather
Bank
20,000
15,000
16,500
.
Bank
National
First
16,500
7,350
9,500
6,700
..
Bank
Park
National
40,000
20,500
3,627
50,000
30,000
BANKS AND BANKERS - MAINE.
Saco
66
.
66
.OF
BANK
NAME
150
.
continued
MAINE-
.National
Bank
Pacific
.
Bank
National
Pacific
.National
Redemption
Bank
.
Redemption
Bank
National
Bank
.Exchange
National
National
Commerce
of
Bank
.
National
Bank
Suffolk
.
Bank
National
Maverick
.
Bank
National
First
.Bank
National
Globe
MARY
LAND
.
TO
AND
COU
NTY
. WN
.
OF MEBANK
NA
William
...
Gorman
H.
Annapolis
Institution
Savings
Anne
Arundel
A..
.' lexander
Bank
Randall
NFarmers
ational
.
Annapolis
66
66
PRESIDENT
.
UPAID
-P
CAPITAL
.
CASHIER
.
C,P.SURPLUS
HILA
NORRESPONDENT
CORRESPONDENT
YORK
EW
,Tr
Worthington
E.
..
Gassaway
G.
L.
$251,700
.National
Bk
Tradesmen's
Bank
National
Chemical
4$1,058
STREET
.
West
155
Fayette
.
...
South
26
S2..outh n
Poppleto
South
63
Broadwa
y
.
Charles
and
Lexingto
n
.
Hanover
Pratt
.and
Howard
German
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Baltimor
e
Carey
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Eutaw
and
Fayette
Lombard
South
and
S8outh
Gay
15
Sou
... th
South
Broadway
.173
Baltimore
and
Holliday
......
North
11
...
Central
Bank
Savings
'N*Citizens
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ational
FCB.
* ommercial
armers
'N&
.
and
Drovers
'B
Mechanics
ank
Eutaw
..
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Savings
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National
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erman
.-*Gmerican
.4(S07.
,p
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of
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.
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German
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German
Bank
Howard
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erchants
NM'*ational
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..
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Baltimore
of
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NBank
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*ational
.....
PF*Nlanters
&
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armers
at
k
*National
Bank
Marine
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ank
Colliday
R.
C.
Eugene
Levering
.
Livingstone
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King
Alexande
Jones r
Franci
s
T.
King
James
Henry
Slingl
Jesse uff
..
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.Ellinger
William
Burns
F.
M*FSloan
.J'N&
,JBk
r.
erchants
armers
.ames
J.
..
Norris
Saurin
Baker
J.
Charles
Schwarz
William
.
Weber
Charles
.
Vees
Henry
Charles
Spilman
...
Edmonds
Samuel
A.
H.
Stump
..
.
Hartman
Isaac
.
Devries
Christian
Dixon
T.
.William
Pratt
Enoch
Vickers
A.
.B.
..
Baldwin
T.
Robert
.of
America
North
Bank
A.
B.
N.
York
New
20,000
James
...
Edmunds
R.
202,500
.T.r
,Wm
Byrnes
...
T
HThos
Morris
.,T.r
E.r
Wm
,T
.Coale
Guest
.
J.
Wesley
John
D.
Early
J.
Wheeler
D.
DRobt
Brown
.,T.r
E.
Beall
S.
E.
Penniman
J.
.A, ctg
Sanders
George
Alex
.Y.
Dolfield
C.
Wilstorf
,Tr
Rother
M.
.R.
Ridgaway
S.
Thomas
..200,000
Douglas
1,500,000
...
Thomas
H.
Shriver
C.
.,T
r
J.
.
Smith
Thomas
J.
Neer
P.
Richard
Cornelius
John
Littig
.M.
Charles
Coleman
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66
66
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.BANK
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160
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MASSACHUSETTS-
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161
6"
·
66
66
66
PRESIDENT
.
BANKS AND BANKERS — MASSACHUSETTS.
66
""
66
66
.
BANK
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.Middlesex
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66
Uxbridge
.
66
Wakefield
.
66
66
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..
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66
Worcester
66
66
66
.Hampden
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66
Bristol
Bank
National
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Bristol
.
Bank
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NMachinists
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' ational
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Taunton
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Taunton
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Townsend
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.
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CASHIER
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400,000
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250,000
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400,000
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167
66
66
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.
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BANKS AND BANKERS - MASSACHUSETTS.
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66
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66
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66
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NAME
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BANK
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168
MASSACHUSETTScontinued
.
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.
.
MICHIGAN
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.
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66
66
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PAID
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.
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..
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BANKS AND BANKERS — MICHIGAN.
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.
66
66
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66
Albion
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66
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.
66
Allen
.
Almont
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.
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66
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.
BANKS AND BANKERS — MISSOURI.
Appleton
.
City
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.
OF
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182
MISSOURI
.
MISSOURI
c
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Bank
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awson
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183
Harrisonville
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Mo.
continued
.MISSOUR1
184
.
OF
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BANKS AND BANKERS - MISSOURI.
Keytesville
66
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continued
–
.MISSOURI
-
UP
PAID
.
Y
COUNT
AND
TOWN
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66
"6
Webster
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BANKS AND BANKERS - MISSOURI.
Cass
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66
Boone
Atchison
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Chariton
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Rich
Richmond
.OF
BANK
NAME
186
continued
.
MISSOURI
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66
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66
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66
66
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66
66
Miles
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.
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66
..
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.&
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o
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.
BANKS AND BANKERS — MISSOURI, MONTANA.
M.
.
Harris
H.
B.
Ritchie
P.
188
continued
.
MISSOURI
50,000
S.
.
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W.
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Nininger
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10,000
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100,000
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150,000
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......
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10,000
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.&
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impson
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15,000
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.Third
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.
Bank
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ank
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10,000
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25,000
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.
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5,000
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..
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e
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20,000
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50,000
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50,000
86,000
,000
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8,000
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15,000
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12,500
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., maha
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maha
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N.B
189
).De
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John
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CASHIER
BANKS AND BANKERS - NEBRASKA.
Albion
Alexandria
Harlan
Alma
Furnas
.
Arapahoe
Saunders
Ashland
.
Aurora
.
66
66
Beatrice
66
66
Bell
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66
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.
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..
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66
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66
66
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66
66
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66
66
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66
66
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Fairmont
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"
66
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.
..
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་
66
66
66
.OF
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66
Fillmore
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66
66
Adams
66
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.
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..
66
Thayer
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66
Red
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66
66
66
Madison
66
Milford
66
Red
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5,000
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1$0,000
40,000
15,000
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.
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&
....
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C
..&
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·
Nebrask
a
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66
66
··
Antelope
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15,000
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--- Chemical
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25,000
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………………
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.&
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15,000
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Bank
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Henry
.
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)(LR.
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..
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.
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.
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.
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.
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50,000
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2,500
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arnes
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66
66
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Indianola
.
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.
་
"6
66
PRESIDENT
.
Charles
.
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50,000
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BANKS AND BANKERS- NEBRASKA.
Friend
66
Geneva
Grand
Island
66
66
Harvard
.
Hastings
.
.OF
BANK
NAME
190
.
continued
NEBRASKA-
Bros.
LM.
CMarsh
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o
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ank
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.,O
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CFirstN.B
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a
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maha
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&
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. ontinued
c
A
NEBRASK
P
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.
COUNTY
AND
.
Oakland
·
Omaha
66
66
66
66
"6
CA
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WRES
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Fred
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37,500
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200,000
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100,000
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191
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&
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NEBRASKA.
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Orleans
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66
66
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66
66
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66
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66
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66
66
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66
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66
66
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BANKS AND BANKERS- NEW HAMPSHIRE.
66
66
.OF
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NAME
194
continued
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195
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BANKS AND BANKERS - NEW HAMPSHIRE.
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66
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66
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OF
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BANKS AND BANKERS — NEW HAMPSHIRE.
Walpole
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66
Wolfeborough Carroll
16
PRESIDENT
.
196
d
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continue
SHIR
HAMP
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66
66
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66
Trust
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66
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Bank
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ank
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66
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PAID
U- P
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BANKS AND BANKERS — NEW JERSEY.
Camden
66
"6
CASHIER
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66
66
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.
PRESIDENT
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66
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N. J.
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City
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.
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CASHIER
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66
66
66
་
66
66
66
66
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66
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..
..
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66
66
66
66
..
66
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66
66
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of
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66
"6
66
Newark
66
66
66
61
Savings
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..
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r
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.
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ORRESPONDENT
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.;
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BANKS AND BANKERS - NEW JERSEY.
Union
66
Hudson
City
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National
First
Hudson
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....
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for
Bank
Hoboken
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66
NAME
.
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OF
198
NEW
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c
.-ontinued Y
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Corn
.
continued
JERSEY
NEW
TOWN
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COUNTY
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66
66
Newton
66
Orange
66
66
Pater
son
.
Passaic
་
66
"6
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66
66
PAID
U- P
CAPIT
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.
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66
..
Union
66
Somerset
.
Bank
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Paterson
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.
Bank
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Perth
Instit'n
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burg
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First
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National
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Princeto
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of
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Benjami
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n
..
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Hall
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.William
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YORK
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hicago
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C., hicago
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ton
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66
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66
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Vanderpool
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Bank
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66
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66
..
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66
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66
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500,000
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D.Carter
66
William
Dodd
Daniel
,T
..
r
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66
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66
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State
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66
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&
66
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&
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66
Brunswick..Midd
Arthur
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lesex
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r
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of
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66
Mahlon
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nstit'n
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66
,Tr
...
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………
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..
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66
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.
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66
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66
.
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r
66
66
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PRESIDENT
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BANKS AND BANKERS - NEW JERSEY.
Newark
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BANKS AND BANKERS — NEW JERSEY, NEW MEXICO.
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"
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"6
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PRESIDENT
.
BANKS AND BANKERS - NEW YORK.
Alban
y
.
..
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Jefferson
Steuben
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BANK
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BANKS AND BANKERS - NEW YORK.
Andes
.
.
Andover
Angelica
PRESIDENT
.
BANK
OF
.NAME
202
continued
YORK
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NEW
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66
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66
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66
66
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66
66
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BANKS AND BANKERS - NEW YORK.
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66
66
66
66
66
66
66
66
66
66
·
66
66
66
66
66
66
66
PRESIDENT
.
.
BANK
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COUNTY
AND
204
NEW
continued
.YORK
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66
..
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..
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66
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66
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66
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50,000
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.
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150,000
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30,000
15,200
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Park
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6,000
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50,000
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75,000
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20,000
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205
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66
66
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66
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.
BANKS AND BANKERS-- NEW YORK.
Canisteo
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..
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Catskill
66
66
BANK
OF
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.
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6"
66
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66
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66
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66
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..
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66
66
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··
..
66
66
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66
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....
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66
66
66
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66
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66
Railway
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80,000
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BANKS AND BANKERS - NEW YORK.
66
Cuba
.
.CASHIER
PRESIDENT
.
206
.
continued
YORKNEW
BMarine
,. uffalo
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Park
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Bank
National
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18,000
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ank
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d
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N
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.
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CAPITAL
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..
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66
Washington
66
.
Montgomery
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Franklin
་
6"
66
·
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BANKS AND BANKERS- NEW YORK.
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66
66
66
66
PRESIDENT
.
218
.
continued
YORKNEW
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ank
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YORK
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66
66
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66
66
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66
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66
66
66
66
""
66
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219
66
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66
220
NEW
.
continued
YORK-
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66
66
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221
66
66
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66
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66
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BANKS AND BANKERS — OHIO.
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NAME
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BANK
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232
continued
.
OHIO-
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continued
TOWN
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66
66
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.;
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econd
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BANKS AND BANKERS- OHIO.
66
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66
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.
BANK
OF
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234
.
continued
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fhila
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continued
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AND
TOWN
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66
66
66
..
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66
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66
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66
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66
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240
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.
29,100
33,240
300,000
50,000
50,000
25,000
100,000
100,000
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CPHILA
. ORRESPONDENT
Townsend
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100,000
1$00,000
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12,500
17,600
5,000
32,000
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2,695
62,959
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1,265
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o
Tradesmen's
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.
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.,First
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ank
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.,Baltimore
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BANKS AND BANKERS - PENNSYLVANIA.
Evansburg
Everett
..
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.
CityFayette
Foxburg
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..
66
SURPLUS
N
EW
CORRESPONDENT
.YORK
242
continued
.
PENNSYLVANIA-
Bank
Park
National
.
Bank
National
First
Continental
National
.
Bank
Bank
Park
National
Mercantile
National
Bank
Bank
National
Metropolitan
National
Central
Bank
......
Nat.Bk.
Exchange
American
..
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Park
National
National
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Bank
Manufacturers
N' at
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ank
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k
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Commerce
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.,PPitts
Bank
National
.Western
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Bank
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Philadelphia
.
Bank
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Western
.
Bank
National
First
Bank
National
.Central
continued
.PENNSYLVANIA
COUNTY
AND
.TOWN
.OF
BANK
NAME
.
Bank
National
Hatboro
-Montgomery
Hatboro
Hazleton
..
66
Hollidaysburg
66
Honesda
le
.
66
..
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Honeybrook
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66
"6
66
.
Jonestown
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Jack
F.
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...
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W.
William
Lemmon
Samuel
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Abner
Fisher
.
Thomas
James
..
McKnight
A.
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....
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..
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r
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.
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.
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anier
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18,000
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at
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at
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k
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&
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..
..
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National
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PCityNat
B
ittsburgh
k
.,Iron
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., itts
N.Nat
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k
243
Kittanning
....
0
P.
Knox
Kutztown
.
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William
Lycoming
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.
Johnstown
""
"6
66
.
Bank
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..First
Bank
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Huntingdon
....
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··
66
66
Bank
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Honesdale
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Horn
Van
James
..
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I.
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..
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.)(See
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66
Park
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66
66
Bank
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.
MPardee
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.&
arkle
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..
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orrow
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.
BANKS AND BANKERS — PENNSYLVANIA.
66
PRESIDENT
.
.OF
BANK
NAME
TOWN
.
COUNTY
AND
66
Jacob
Bausman
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...
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Christian
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CASHIER
.
Edwin
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----.....
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William
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PAID
-UP
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.
210,000
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.PSURPLUS
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.CHILA
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66
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.
66
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66
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66
66
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anking
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..
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....
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.
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George
.
Ross
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Henry
.
Hoffman
.
George
K.
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..
.
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Thomas
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Union
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.
Harrison
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C.
W.
..
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Reed
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.David
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..
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..
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66
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66
Jenkins
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Charles
Joseph
..
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..
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..
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o
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'Deposit
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National
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ank
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t
..
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.
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.,P&
nfrs.N.Bk
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40,019
31,500
75,000
100,000
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..
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..
80,000
100,000
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.
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o.
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&
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.
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25,000
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Bank
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1,470
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Bank
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5,300
31,000
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&
organ
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..
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20,000
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..
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..
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Collins
A.
.' ational
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NMechanics
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.....
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&
.....
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organ
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50,000
100,000
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BANKS AND BANKERS — PENNSYLVANIA.
Shenk
&
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66
66
66
Lansdale
Latrobe
..
66
NFarmers
.' ational
Bank
..First
Bank
National
Lancaster
Lancaster
6"
66
"6
66
66
66
PRESIDENT
.
244
PENNSYLVANIA
continued
.-
..
Republic
Bank
National
Co.
&
Drexel
.
Bank
National
Western
.
Bank
National
Commercial
.PN.
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B.
Tradesmen's
.' ational
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NMechanics
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ank
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.orn
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.
Bank
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Union
ks
.BCity
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and
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Johnston
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&
.,BBros.
alto
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.
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.National
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ank
'Nat
.B
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First
.
Bank
National
P.,German
Bitts
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ank
.Girard
Bank
National
First
.
Bank
National
PENNSYLVANIA
continued
.-
.AND
COUNTY
TOWN
6"
66
McKeesport
66
"
Mifflin
Crawford
McVeytown
Meadville
66
66
66
66
66
66
66
་
CMechanicsburg
, umberland
66
66
.
Media
....
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.
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..
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o
CB.
&
..
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..
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cWilliams
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.
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..
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&
Delamater
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&
Dick
R.
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.National
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.
Bank
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Delaware
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..
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66
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o
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66
66
Middletown
.
Mifflinburg
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66
"6
Millersburg
66
.
Kitchen
Cyrus
nd
John
McFarla
.
J.
Whipple
..A.
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Gorgas
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L.
Boyer
..
Middletown
of
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Juniata
Parker
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&
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.
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y
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.
Germa
.National
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n
Mercer
MFarmers
Bk
Magoffin
.echanics
,J.B'N'&
..
r.
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Logan
.
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.
Steiger
C.
-UP
PAID
CAPITAL
.
Baldrige
K.
25,000
.B.
$
A.
..
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150,000
J.
.
Dreisbach
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.
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51,914
.C.
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C.PHILA
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CDrexel
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400,000
80,000
$
27,000
6,300
12,083
20,000
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...
30,000
Samuel
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..
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....
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..
National
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..
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..
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.
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..
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.
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L.Westerman
.
Henry
100,000
63,925
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.
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.Bank
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Drexel
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&
Philadelphia
.
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.Union
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.
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Drexel
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.National
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7,300
PGerman
, ittsburgh
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Citizens
PBk
.
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245
66
.Butler
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.
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66
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66
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.
BANKS AND BANKERS - PENNSYLVANIA.
Blair
Carbon
66
66
Martinsburg
.
Chunk
Mauch
PRESIDENT
.
.OF
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NAME
TOWN
.
COUNTY
AND
.
Millheim
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..
66
Millheim
Banking
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.
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Milton
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66
.
Bank
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Schuylkill
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WMonongahelaCity
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"6
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J.
William
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66
National
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BANKS AND BANKERS - PENNSYLVANIA.
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BANK
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246
continued
.PENNSYLVANIA
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BANKS AND BANKERS - PENNSYLVANIA.
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PHILADELPHIA
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PHILADELPHIA
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