Citation Codes Equivalent Citations citation codes Docket Number 21990 Attorney(S) O. Grady Query and B.C. Killough, Charleston, for appellant. William L. Howard, of Belk, Howard Cobb, Charleston, for respondent. See more information ... Smart Summary Please sign up to generate summary. FORD MOTOR CREDIT COMPANY, Respondent, v. Raul MORALES, Appellant. Oct. 3, 1983. Per Curiam: Respondent brought this claim and delivery action to establish its right to possession of a truck purchased by appellant on a conditional sales contract under which appellant had allegedly defaulted. Appellant answered, asserting he had not defaulted on the contract, and counterclaimed alleging conversion by respondent. After presentation of the entire case, the court granted respondent's directed verdict motion and denied appellant's motion for a directed verdict on his counterclaim. We affirm. The uncontradicted evidence shows respondent's employees told appellant that respondent did not intend to accept overdue payments on the contract beyond June 26, 1979, and that actions would be begun at that time to recover the truck. Appellant mailed the payments on June 28, 1979. A payment of a debt is not considered made until it is accepted by the creditor with the intention of extinguishing the debt. In re McElmurray, 47 F. Supp. 15, 19 (D.S.C. 1942); 60 Am. Jur.2d Payment § 1 at 612 (1972); 70 C.J.S. Payment § 1 at 210-211 (1951). We affirm the lower court's rulings.