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Dianne Cartwright v. AmSouth Bank

Citation: Not availableDocket: 93-CA-00540-SCT

Court: Mississippi Supreme Court; May 7, 1993; Mississippi; State Supreme Court

Original Court Document: View Document

Narrative Opinion Summary

In this case, the appellant challenged a garnishment order issued by the Harrison County Court, which sought access to funds in her bank account. She contended that the funds were exempt from garnishment under Mississippi Code Annotated § 85-3-1, which provides protection for tangible personal property up to a specified value. The county court ruled against the appellant, determining that the funds represented intangible property and thus were not exempt under the statute. The Supreme Court of Mississippi upheld this decision, affirming that bank deposits are intangible as they embody a right of payment rather than a physical asset. The court referenced Black's Law Dictionary and precedent from other jurisdictions to support the classification of bank deposits as intangible. Despite the appellant's reference to a prior case suggesting otherwise, the court emphasized the statutory restriction to tangible property. Consequently, the appellant's funds did not qualify for exemption, and the lower court's garnishment order was affirmed. This ruling underscores the distinction between tangible and intangible properties in the context of statutory exemptions.

Legal Issues Addressed

Classification of Bank Deposits as Intangible Property

Application: The court classified bank deposits as intangible property because they represent a right to payment rather than a physical asset.

Reasoning: The Supreme Court of Mississippi affirmed this decision, determining that bank deposits are inherently intangible, reflecting a right of payment from the bank rather than a physical asset.

Exemption of Property from Garnishment under Mississippi Code Annotated § 85-3-1

Application: The court determined that funds in a bank account do not qualify as tangible personal property and are therefore not exempt from garnishment under the statute.

Reasoning: Cartwright claimed the funds were exempt from garnishment under Mississippi Code Annotated § 85-3-1 (1972), which protects tangible personal property up to $10,000 in value.

Interpretation of 'Tangible Personal Property' in Exemption Statutes

Application: The court clarified that the exemption statute specifically limits protections to tangible property, and bank deposits do not fall under this category.

Reasoning: The Court clarified that the exemption statute specifically limits protections to tangible property.