Public-domain · open source
OpenJurist

56 Pa. 161

O'Nail v. Craig

Supreme Court of Pennsylvania

Decided November 11, 1867

Supreme Court of Pennsylvania · decided 1867-11-11

<p>1. An agreement to waive the Exemption Law, made when the debt is created, must be expressed in clear and unequivocal language; not rest upon inference or conjecture.</p> <p>2. A note promised to pay §37.50 “ for value received, or the Homestead Exemption Lawheld, not to be a waiver of the exemption.</p> <p>3. The justice endorsed on an execution on a judgment recovered on the note, “ exemption notethis did not deprive the debtor of his right.</p>

Cited by 3 later decisions — most recently February 1979

3 state decisions

Cited in Anderson (1889)’s definition of “Exemption”

Good law ✅— No negative treatment on recordhow we know

Decided 1867-11-11

View the full empirical analysis of this case →

¶1The opinion of the court was delivered, November 11th 1867, by

Strong, J.

¶2Had it been determined, immediately after the passage of the Act of April 9th 1849, that a debtor could not deprive himself of that exemption from execution of a portion of his property allowed by the statute, by any agreement made at the time the debt was created, the object of the legislature would doubtless have been better secured. But it having been ruled that the exemption is a’ mere personal privilege which the debtor can at any time waive, and that a waiver once made cannot be retracted, the whole force of the statute is eluded by simply a change in the form of the contract. Hence, if the privilege accorded to debtors is to be anything more than a shadow, it ought to be ruled that an agreement to waive the exemption made when a debt is incurred shall be expressed in clear and unequivocal language. It is not to rest upon inference or conjecture. The plaintiff, in this case, took a note in which his debtor promised to pay to him “ the sum of thirty-seven dollars and fifty cents, for value received, or the Homestead Exemption Law, without defalcation.” We cannot say the note contained an agreement not to claim the benefit of the exemption allowed by the statute. We may conjecture that such was the debtor’s intention, but that is not enough. When, therefore, judgment was recovered for the debt, and an execution was issued, the debtor had a right to the exemption of his personal goods, not exceeding in value $300, a right which the constable was not at liberty to disregard. Nor could the mistake *163of the magistrate, in endorsing upon the executions “ exemption note,” deprive him of that right.

¶3The justice had no authority to make such an endorsement. Moreover, it did not even purport to be an adjudication concluding the debtor. The charge of the court to which exception is taken, was in all respects correct.

¶4Judgment affirmed.

/56/pa/161 · .json · Public domain