Kockmore & Oo., alleged to be a firm composed . of Kockmore and his wife, sued the Bank of Lawrenceville -for an alleged balance due them on a deposit account, and recovered a
1. Error was assigned because the court struck from the answer an allegation that there was no such firm at the time alleged in the petition as Kockmore & Company, “and that M. L. Kockmore is using said firm name for the sole purpose of defrauding and hindering this defendant from collecting just debts owing by him.” It was assigned as error that the court, by striking this and ,-¡mother part of the answer and rejecting evidence, excluded the ■defendant from showing that there was really no such firm as Kockmore & Company, and that as a matter of fact the name was •simply a designation of Kockmore as an individual. When a suit •was brought in the name of Kockmore & Company against the bank, could it plead and prove the defense just indicated ? If not, ■why not? The name “Kockmore & Company” imports prima facie ■the existence of a firm, but does' not indicate who compose such .firm. A deposit in the name of Kockmore & Wife would have 'been different. To do business as Self & Company is at best calculated to mislead; but it is possible for such designation of one’s self to coexist with the honest conduct of business. It does not ■necessarily follow as matter of law that one who enlarges his business title, or who outgrows his individual name to the extent that he feels it necessary to add the word “and company” thereto, intends to commit or does commit a fraud on his creditors. Like the plural “we,” employed by sovereigns and in editorial circles, it may be somewhat more impersonal than the singular, without being improper. Even the law has sometimes made use of fictions. John Doe is recognized as a respectable litigant, although in reality only, a kind of nom de guerre. But neither John Doe nor “& Co.” should be used to perpetrate a fraud on creditors of the neal party. The addition “& Company” does not on its face define who constitute the company. It is susceptible of proof of who •comprise it, or whether anybody does so. The jury may inquire into “& Company” and make the acquaintance of its component •members through the medium of the evidence. On questions of fraud they may consider the addition, of a name without a person for it to apply to, where this throws light upon the subject in hand. In so far as the answer merely alleged that there was no ■.company, but that Kockmore & Company was, identical with Koek
2: Another ground of the motion for a new trial was that the court refused a request to give the following in charge: “If the jury believe from the evidence that M. L. Bockmore, a member of the firm of Bockmore & Company, the plaintiffs in this ease, agreed with W. M. Sasser, the cashier of the defendant bank, that the $6'65.44 arising from the insurance policy should not be checked out or paid to Bockmore & Company, but should go as a credit on the amount owing defendant from said M. L. Bock-more for money advanced to the latter, then the plaintiffs can not recover that deposit in this case.” There was no error in refusing • this request. If there was no such firm as Bockmore & . Company and that name was merely a designation of Bock-more, then the deposit was his and could be applied by his agreement to his individual debt to the bank; or, without his consent, the bank could set off against it his matured debt. But the vice in the request to charge is that it treats the firm as an existing firm, “the plaintiffs in this case” — that is composed of Bockmore and his wife. If in fact the deposit belonged to a firm composed of two persons, one of them could not by agreement apply such firm assets to his individual debt without the consent of the other partner, or have the deposit account due to the firm set off as a credit upon his individual debt to the bank. Harlow v. Rosser, Scurry & Co., 28 Ga. 219; Eady v. Newton Coal & Lumber Co., 123 Ga. 557. And a like principle is applicable to an effort by a bank to apply assets of a firm to individual debts of one of its members. Bank of LaGrange v. Cotter, 101 Ga. 134. Whether, upon a settlement of accounts between partners, equity might apply the interest.of a partner so agreeing to his indebtedness, would raise a different question.
3, 4. Complaint is made that the court refused a request to give in charge the following: “If a depositor in a bank is indebted thereto in an amount in excess of the balance shown to be* due on his pass-book, it can refuse to pay a check on his account and retain whatever balance is shown to be due thereon, to protect itself from loss by reason of such indebtedness. In other , words, the bank could legally set off such indebtedness against
5. Error is further assigned because the court struck certain allegations of the answer, to the effect that Bockmore made the account with the bank in the name of Bockmore & Company, falsely pretending that his wife was a member of said pretended firm, for the purpose of defrauding, hindering, and delaying his creditors, and to prevent them from reaching the money by process of garnishment, and that as matter of fact there was not then or now any such firm as Bockmore & Company, composed of Bock-more and his wife. The brief of counsel for plaintiff in error insists on this point under the contention that' the bank was entitled to prove that there was no such firm as Bockmore & Company, and that this was merely a designation of Bockmore. Considered as a plea of fraud perpetrated upon the bank, it was» defective in that it did not show that the bank was an innocent party, but rather indicated the contrary. The statement that Bock-more made the account with it, pretending that his wife was a member of .the firm, apparently means that he so stated to the bank. If he did state to the bank that his wife was a member of the firm, it could not well be a fraud on the bank that she after-wards claimed to be such. If there was a fraud, and the bank knew of it, and took part in it, then it can not claim to have been defrauded thereby. One can not have an action on account of an injury resulting from a fraud in which he himself, takes part.
A depositor sometimes deposits in his own name or in a trade name employed by him in business (such as A. & Co.), or in his name as agent or trustee. If this is done bona fide, it does not constitute fraud as matter of law. It may be done in good faith for the purpose of keeping separate accounts, as where a man is conducting two kinds of business, or where he has trust funds and also individual funds. But if one colludes with a bank to cover up his funds by making a deposit in a fictitious name, and this is done to delay and defraud his creditors and to prevent them from discovering and subjecting to his debts the deposits so made, this would constitute a fraud. A bank is not generally required to investigate the causes which may. lead to deposits in the name of a firm or of one as agent or trustee, or the like. But it can not properly collude with a depositor for the purpose of misleading creditors and covering up his funds under a fictitious name so as to prevent their being subjected to garnishment. But we do not understand that the bank is urging such a position as its defense; and we make no ruling on such theory.
The first ground of the amended motion complained of the ■striking of the sixth paragraph of the answer. This is not referred to in the brief of counsel for plaintiff in error, and is therefore not dealt with.
As the case will be returned for a new trial, we express no opinion upon the evidence; nor do we deem it necessary to discuss collateral questions touching the status, rights, and duties between banks and depositors, which are not made before us.
Judgment reversed.