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A situation that may occur when several people are obligated to pay the same debt (e.g., several borrowers on a hypothecary loan). Solidarity allows the creditor to address, at his choice, any of these persons and claim from him or her the entire amount owed. The person who pays the full amount of the debt can then claim from the other borrowers their respective shares. Solidarity is not presumed; it exists only when it is expressly provided for by law or stipulated in the contract.