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cases in note 101; Bank of America v. Indiana Banking Co., 114 Ill. 484, 2 N. E. 401, and two other Illinois cases there cited. We have examined these authorities with some care, but, with the exception of the Illinois cases, they do not support the position of respondent. In the Illinois cases cited, following previous decisions of that court, it was held that when a depositor draws a check on his banker, who has funds of the depositor to an equal or greater amount, it operates to transfer the sum named in the check to the payee, who might sue for and recover the same from the depositary; that a transfer of the check carries with it the title to the amount named in the check to each successive holder, and that it is not in the power of the drawer to countermand the order of payment. "The drawing of the checks.... operated precisely as if the money had, in fact, been drawn out of the bank before the issuing and service of the process of garnishment. . . . . The legal effect of drawing these two checks was the reduction or drawing out of the bank the amounts therein specified, and lessens the fund to that extent that was subject to attachment, although not presented for payment until after the process was served on the garnishee."

In section 71 of Rood on Garnishment, cited by respondent, some of the cases on both sides of the question are given in the notes. But in section 72 the author states: "It is believed that, with the above exceptions, the holder of a mere order upon the garnished fund has no claim to it which he can maintain against a garnishment served between the giving of such order and its acceptance by the drawee": Citing Poole v. Carhart, 71 Iowa, 37, 32 N. W. 16; Holbrook v. Payne, 151 Mass. 383, 21 Am. St. Rep. 456, 24 N. E. 210; Hobson v. Kelly, 87 Mich. 187, 49 N. W. 533; Baer v. English, 84 Ga. 403, 20 Am. St. Rep. 372, 11 S. E. 453; Jones v. Glover, 93 Ga. 484, 21 S. E. 50. It has been suggested that the decisions of this court sustain the position of respondent. A review of them will, perhaps, not be without value.

187 In McEwen v. Johnson, 7 Cal. 258, the syllabus is, that: "An order drawn by a creditor on his debtor is prima facie evidence of an assignment of the debt pro tanto, and if accepted will bind the parties." The order was by one North to "pay Samuel Soule eleven hundred dollars out of my wages, earnt building a steamboat for you on the Colorado River the past five months." It was directed to B. M. Hartshorne, and was accepted by Hartshorne as follows: "I accept this order when

in funds." and the evidence showed that defendants had accepted North's order before plaintiff's attachment was served on North's creditors. The facts in the case do not sustain the rule enunciated in the syllabus.

Wheatley v. Strobe, 12 Cal. 92, 73 Am. Dec. 522, is frequently quoted by authors and judges, and sometimes on both sides of the question. The order read: "Mr. Strobe: Please pay the bearer of these lines two hundred and thirty-six dollars, and charge the same to my account." Signed E. D. Wheatley. Strobe was indebted to Wheatley, Wheatley to Howell, and Howell to Wilcoxson & Co. It was to pay his debt that Wheatley gave the order on Strobe to Howell. The order was presented to Strobe on July 25th and accepted verbally. Soon afterward Wilcoxson & Co., judgment creditors of Howell, garnished the debt, if any, due by Strobe to Howell, by virtue of this order. Subsequently Wheatley commenced the suit against Strobe to recover the original debt. Strobe admitted the indebtedness, but set up the order, his verbal acceptance, and the garnishment of Wilcoxson & Co., and asked that the latter be made parties, and he be allowed to pay the amount into court. Wilcoxson & Co. intervened, setting up the same facts, and also the fact that the order was given for a debt due by Wheatley to Howell and claiming under their garnishment. A demurrer was sustained in the lower court to Strobe's answer, and the petition of intervention was denied. Defendant appealed. Field, J., delivered the opinion. It was held that the order was a bill of exchange, and the written acceptance of Strobe was necessary to charge him as acceptor under the statute. He was therefore held not liable on the order. But it was also held that the order, though not available as a bill of exchange against Strobe, for want of acceptance, operated as an equitable assignment of the demand of 188 Wheatley to Ilowell. The reason given for this is thus stated: "It [the order] was given for an antecedent debt, and for the full amount of the demand against Strobe. The consideration was valuable, and there was no splitting of the amount due into distinct and different causes of action; and in such cases it is well settled that an order, whether accepted or not, operates as an assignment of the debt or fund against which it is drawn. ... After the delivery and presentation of the order, the debt due by Strobe could not be reached on attachment issued by the creditors of Wheatley"; and this because, as was said, Courts of law, equally with courts of equity (under our sys

tem) gave effect to assignments like the one under consideration, by controlling the proceeds of the judgments recovered for the benefit of the assignee" (citing cases).

Pierce v. Robinson, 13 Cal. 116, decided nothing further than that an order to pay a debt out of a particular fund belonging to the debtor constituted an equitable assignment of the fund pro tanto. Field, J., said: "The agreement, under the circumstances of the case, must be deemed to have operated as an equitable assignment of the surplus, so soon as it existed, for the benefit of the laborers."

In Pope v. Huth, 14 Cal. 404, the court said: "We think it not important to consider whether this order is technically a bill of exchange. But we regard it as an equitable assignment of the funds in the hands of Huth & Co., to the payee; and Huth & Co. having notice of this assignment, would be liable to them for the amount, even in absence of an express promise to pay it." The court, however, found that there was an implied promise of the drawees to pay.

Grain v. Aldrich, 38 Cal. 514, 99 Am. Dec. 423, decided that an assignment of part of an entire demand is void at law, unless done with the consent of the debtor; but such an assignment is valid in equity, without the consent of the debtor, where the assignor is made a party, with a prayer for an account and apportionment of the debt due from the defendants. The case assumes an assignment, and the question now here was not decided.

Hobart v. Tyrrell, 68 Cal. 12, 8 Pac. 525, decided only that an order drawn by creditors on their debtor and accepted by the latter, 189 operates as an assignment of so much of the debt as is represented by the orders.

Cashman v. Harrison, 90 Cal. 297, 27 Pac. 283, was an action by the payee against the drawer of a bill of exchange. In. the course of the opinion the court said: "The bill itself, before acceptance, has no tendency to prove an assignment, but the contrary" (citing cases). Quoting from a New York case, it was further said: "The principle appears to be firmly established that a bill of exchange does not of itself give to the holder, either at law or in equity, a lien upon the funds of the creditor in the hands of the debtor until after acceptance by the latter." Other cases to like effect are cited.

In Lawrence Nat. Bank v. Kowalsky, 105 Cal. 43, 38 Pac. 517, the court held that "an equitable assignment of a specific demand or particular indebtedness may be effected by means of Am. St. Rep., Vol. 04-3

an instrument having the form of an order or bill of exchange drawn by the creditor upon the debtor for its full amount, when such is the intention of the drawer and payee" (citing Wheatley v. Strobe, 12 Cal. 92, 73 Am. Dec. 522, and adding that Cashman v. Harrison, 90 Cal. 297, 27 Pac. 283, was not intended to overrule the latter case).

In the case of Curtner v. Lyndon, 128 Cal. 35, 60 Pac. 462, the lower court had found as matter of fact that the order had the effect of an assignment, and this court on appeal said: "We will not set aside that construction." The fund was claimed under an attachment levied after the order had been presented to the debtor holding the fund. Nothing in the case warrants the belief that the court intended to give support to the doctrine contended for by respondent.

So in McIntyre v. Hauser, 131 Cal. 11, 63 Pac. 69, the court held that the transaction, such as it was, constituted an equitable assignment, and it was in view of the facts that the court said: "It is elementary that an assignment of a chose in action takes precedence over a subsequent garnishment" (citing Walling v. Miller, 15 Cal. 38; and as to such particular facts as would constitute an equitable assignment, reference is made to Pope v. Huth, 14 Cal. 404).

These are the only cases we have found which bear upon tne question now before us, and they seem to me to leave the precise point at least res integra, but with a tendency toward the contention of appellants.

190 Turning to the view of the question presented by appellants, we find the cases quite numerous holding that an order, check or bill of exchange drawn for part of a fund, does not operate as an assignment of that part or give a lien as against the drawee, unless he consent to the appropriation by an acceptance of the draft. We are not concerned with those cases holding that a check or bill of exchange may be treated as an equitable assignment pro tanto where the drawer and payee intended the check to have such effect; nor with those cases dealing with checks drawn against a special fund; nor with cases where the order or check is for the precise balance due from the depositary, from which an inference may be drawn that an assignment was intended; nor with the question whether the payee may, in his own name, have an action on the check against the drawee with or without presentation and refusal to pay; nor whether he must look to the drawer; or if he sue,

that he must sue in the drawer's name for the use of the payee. Much learning has been expended on these questions, and while they may have more or less bearing, arguendo of the question here, it seems to us that unless we can hold the check to be an assignment, legal or equitable, pro tanto, we must hold that the garnishment takes precedence.

It was held by the supreme court of the United States in Fourth Street Bank v. Yardley, 165 U. S. 634, 17 Sup. Ct. Rep. 439, to be settled law that a check drawn in the ordinary form does not, as between the maker and the payee, constitute an equitable assignment pro tanto of an indebtedness owing by the bank upon which the check has been drawn, and that the mere giving and receipt of the check does not entitle the holder. to priority over general creditors in a fund received from such. bank by an assignee under a general assignment made by the debtor for the benefit of his creditors. It was also held as the settled doctrine of that court that the owner of a chose in action in the custody of another may assign a part of such right, and an assignment of this nature will be enforced in equity. Some, but by no means all, of the cases decided by English courts and by state appellate courts, supporting this view, are cited and reviewed. In First Nat. Bank v. Dubuque etc. R. R. Co., 52 Iowa, 387, 35 Am. Rep. 280, 3 N. W. 395, it was held that a bill 191 of exchange drawn upon a general fund, and not accepted by the drawee, does not operate as an assignment of the fund, but is evidence to be considered with other circumstances in determining the intention of the parties. In Harrison v. Wright, 100 Ind. 515, 58 Am. Rep. 805, a similar ruling was made. The court there said (page 538) "that a check in the ordinary form upon the drawer's banker, without words of transfer, and drawn upon no particular designated fund, does not operate as an appropriation or equitable assignment of a fund in the hands of the drawee, nor does it operate as an assignment of a part of the drawer's chose in action against the drawee." Among other reasons given for this conclusion, the court said: "In the absence of evidence to the contrary, or a showing of an intention to assign a part of a fund in the hands of a drawee, . . . . it should be presumed that the payee or holder of a check takes it upon the credit of the drawer, of whom he may collect, if payment be refused by the drawee." Among the cases cited in support of the doctrine of the Yardley case, are Covert v. Rhodes, 48

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