JOSEPH L. ELMORE, WILLIAM H. SAPP AND WIFE, GENE H. SAPP, BYRON DANZEY AND WIFE, LOUISE W. DANZEY, APPELLANTS,
v.
MARVIN E. ELMORE, MURIE SASSER TURNER, AND HUSBAND, WALLACE N. TURNER, CAROLYN ELMORE UPSON AND HUSBAND, JIMMY UPSON, COMMERCIAL BANK IN PANAMA CITY, A BANKING CORPORATION, AND J. C. BODIFORD, AS ADMINISTRATOR AD LITEM OF THE ESTATE OF LYDIA SASSER TURNER, DECEASED, APPELLEES

Fla. | 1957-12-18
TERRELL, C. J., and DREW, THOR-NAL and O’CONNELL, JJ., concur.
99 So. 2d 271 Florida Supreme Court (1957)

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Synopsis

In this mortgage foreclosure case, the Florida Supreme Court affirmed the lower court's decree ordering sale of mortgaged property to satisfy a mortgage debt. The court rejected the appellants' arguments regarding waiver of interest, estoppel regarding attorney fees, and a claimed election doctrine.


Holding

The court affirmed the foreclosure decree, holding that: (1) conflicting evidence regarding waiver of interest and estoppel regarding attorney fees was properly resolved by the chancellor in favor of the mortgagee; (2) the doctrine of election does not apply where a mortgage debt secured by the property must be paid before estate beneficiaries receive distributions.


Key Quotes

“The two cases involve the same land and some of the same parties, but happily we can see no further similarity which would require, or even permit, the uncomplicated case before us to become enmeshed in the sinuous coils of the previous litigation.”

The court distinguished this case from related complex prior litigation, establishing that the current foreclosure case should be decided on its own straightforward merits.

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Facts & Procedural History

Marvin E. Elmore purchased an assignment of four promissory notes totaling $600 signed by his father Joseph L. Elmore and grandmother Lydia Elmore on …

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Opinion of the Court
HOBSON, Justice.

HOBSON, Justice.

There is nothing remarkable about this simple mortgage case except the suggestion, urged by appellants, that it may be connected with the difficult case of Elmore v. Elmore, Fla., 99 So. 2d 265, in some way which would require reversal of the chancellor’s final decree of foreclosure herein. The two cases involve the same land and some of the same parties, but happily we can see no further similarity which would require, or even permit, the uncomplicated case before us to become enmeshed in the sinuous coils of the previous litigation.

In the present case appellee, M. E. El-more, on November 15, 1946, took an assignment (from one Holland) of four notes in the aggregate principal amount of $600 signed by his father, Joseph L. El-more, and his grandmother, Lydia Elmore. These notes were secured by a mortgage on certain property in Panama City. Some time after the death of Lydia Elmore, M. E. Elmore sued to foreclose the mortgage, joining various subsequent mortgagees and persons involved in his grandmother’s estate. After hearing the testimony, the chancellor held that the equities were with the plaintiff, M. E. Elmore, and that the notes and mortgage were perfectly regular. He ordered the property sold to pay the mortgage debt, plus interest, costs, and attorney fees.

Appellant contends that appellee waived interest subsequent to the date of his purchase of the notes sued upon, and that he was estopped to claim attorney fees. The evidence having some bearing upon these points was conflicting and the chancellor resolved the conflict in favor of the appellee. Nothing has been shown by the appellants which would persuade us to disturb the chancellor’s determination of this part of the case. Appellants further contend that appellee was required to elect as to whether he would take under the will of his grandmother or seek to enforce the mortgage debt. There is no connection between the estate and the mortgage debt except the land. The mortgage debt was, in part, a debt of the estate which must he paid before the beneficiaries can receive anything. Should the grandson be penalized simply because the notes he purchased were secured? The question answers itself, and it is obvious that the doctrine of election has no application to this case.

One further point is raised, but we find no merit in it.

Affirmed.

TERRELL, C. J., and DREW, THOR-NAL and O’CONNELL, JJ., concur.


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