A more thorough explanation:

CORREI STIPULANDI

Correi stipulandi is a Latin term used in Roman law to refer to joint creditors. It is also known as correi credendi. When there are several stipulators (active correality), each one asks the debtor a question and the debtor answers once for all. When there are several promisors (passive correality), the creditor asks each one and they answer together.

For example, if three people lend money to a debtor, they are considered correi stipulandi or joint creditors. Each one of them can ask the debtor a question and the debtor's answer will be binding for all three. Similarly, if there are three promisors who owe a debt to a creditor, the creditor can ask each one of them and they must answer together.

Another example would be if two people enter into a contract with a third party, they are considered correi stipulandi. If one of them breaches the contract, the third party can hold both of them responsible for the breach.

These examples illustrate how correi stipulandi works in practice and how joint creditors or promisors can be held accountable for their actions as a group.