The main purpose of the joint and several obligation is to protect the interests of the creditor and to secure the safety of the transaction.

连带债务制度将数个债务人的财产总和作为保障债权实现的责任财产，最大限度地保护了债权人的利益，促进了交易安全。

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The right enjoyed by a creditor against the debtor's guarantor and all the joint-and-several debtors shall not be affected by the reorganization plan.

债权人对债务人的保证人和其他连带债务人所享有的权利，不受重整计划的影响。

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As far as the creditor is concerned, however, both you and your spouse remain responsible if the joint accounts remain open.

如果你和你的配偶仍然共同拥有一个帐户那么你就有责任去偿还债务。

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Moreover, if the child goes broke while you're alive, a creditor could seize the joint account.

FORBES: Estate Repair

Germany and other creditor countries are going back on their promises to use joint rescue funds to recapitalise banks.

ECONOMIST: The world economy