Estes v. Tower

Gray, J. A promissory note entitled to grace is payable on demand at any reasonable time and place on the last day of grace, and, if the maker neglects or refuses payment upon such demand, the note is dishonored and may be put in suit immediately ; but if no such demand is made, and he has done nothing amounting to a waiver of it, he has the whole of the day in which to make payment, and is not liable to an action until the expiration of the time within which such demand might have been made upon him. Gordon v. Parmelee, 15 Gray, 413. In the case of a note not in terms payable at a bank or other place of business, the demand may be made at the maker’s dwelling-house at any hour at which, having regard to the habits and usages of the community in which he lives, he may reasonably be expected to be in a condition to attend to ordinary business, even as late as eight or nine o’clock in the evening. Triggs v. Newnham, 10 Moore, 249. Farnsworth v. Allen, 4 Gray, 453. It was therefore rightly ruled at the trial that this action was prematurely commenced. The case of Butler v. Kimball, 5 Met. 94, upon which the plaintiff relies, and in which the maker of a note was held liable, without a previous demand, upon a writ made after sun« set on the last day of grace and delivered to an officer' on the next day, does not rest upon the ground that» suit might be brought immediately after sunset on the last day of grace; but upon the ground that it was reasonably to be inferred that the writ was filled up provisionally and not intended to be used until the next day, when it was delivered to the officer, ^Xnd that the making of the writ was no more to be deemed the commencement of the action than if the plaintiff, instead of keeping it in his own hands, had delivered it to the officer that night with instructions not to serve it until the next day, or had sent it to„ the officer, but it had not yet reached him Sanift v. — 67 — Crocker, 21 Pick. 241. Seaver v. Lincoln, Ib. 267. Emerson v. White, 10 Gray, 351. In the case at bar, the writ was not only made, but served, before any cause of action had accrued against the defendant. Exceptions overruled.