Two Constitutional Lessons Worth Remembering: Norms Are Different From Legal Rules; And Improper Intent Matters But Is Hard To Establish

VIKRAM DAVID AMAR

Illinois law dean and professor Vikram David Amar comments on the controversy surrounding President Trump’s tweets about the sentencing of Roger Stone, addressing the important differences between norms and legal rules. Amar points out that the motive underlying such presidential decisions is ultimately what determines whether the action is improper—and that such motives are notoriously difficult to establish.

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Blair v. EMC Mortgage, LLC

Docket: 19S-MF-530

Opinion Date: February 17, 2020

Judge: Loretta H. Rush

Areas of Law: Real Estate & Property Law

The Supreme Court affirmed the judgment of the trial court foreclosing a mortgage but finding that Lender was entitled to recover only payments and interest that accrued after a certain date due to Indiana's six-year statute of limitations to bring an action on the note underlying a mortgage, holding that there is no need to judicially create additional time constraints on a lender's ability to bring an action upon a closed installment contract. Lawsuits to enforce obligations under closed installment contracts are subject to multiple statutes of limitations. Borrowers in this case asked the Supreme Court to impose an additional rule of reasonableness. The trial court granted partial relief. The Supreme Court affirmed, holding (1) imposing additional, judicially-created time constraints upon a lender's ability to bring a claim on a closed installment contract is not necessary; (2) two statutes of limitations apply to a cause of action upon a promissory note; and (3) Lender sued within the applicable statutes of limitations.

Collins Asset Group, LLC v. Alkhemer Alialy

Docket: 19S-CC-531

Opinion Date: February 17, 2020

Judge: Loretta H. Rush

Areas of Law: Real Estate & Property Law

The Supreme Court reversed the order of the trial court dismissing a lender's complaint seeking to recover on an accelerated promissory note, holding that, under either of two statutes of limitations, the lender can assert its claim. As explained today in Blair v. EMC Mortgage, LLC, __ N.E.3d __ (Ind. Feb. 17, 2020), two statutes of limitations apply equally to a cause of action upon a promissory note. Further explained in Blair is that the Supreme Court will not impose an additional rule of reasonableness on a mortgage lender's ability to bring an action upon a closed installment contract. In the instant case, Borrower executed a promissory note and mortgage to be paid in monthly installments over twenty-five years. After Borrower stopped making payments on the note Lender accelerated the debt, demanding payment in full. Borrower did not pay, and Lender sued. Borrower moved to dismiss the complaint, arguing that the claim was barred by Ind. Code 34-11-2-9. The court of appeals affirmed and held that Borrower waived its argument that Ind. Code 26-1-3.1-118(a) should also apply. The Supreme Court reversed, holding (1) Borrower did not waive its argument under section 26-1-3.1-118(a); and (2) Borrower can equally recover amounts owed under either statute of limitations.