What is example of joint and solitary obligation?

A joint obligation occurs when two or more parties are collectively responsible for fulfilling a duty, such as two co-signers on a loan who are both liable for repayment. An example of a solitary obligation is when an individual borrows money from a bank and is solely responsible for repaying that debt. In the first case, the creditors can pursue either party for the full amount, while in the latter, only the borrower is accountable.