19:11
Nah, the fucked up thing about therapists is they try and make you think your parents are your enemy 99% of the time and really they should be telling you that your parents have almost no effect on the rest of your life. If they can get you to keep focusing on your parents they can keep making money.
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Simple English definitions for legal terms
joint and several note
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A quick definition of joint and several note:
A joint and several note is a written promise to pay money to someone else. It's like a contract between two or more people who agree to pay back the money they borrowed. If one person can't pay, the others are still responsible for paying the whole amount. It's important to be careful when signing a joint and several note because you could end up owing more than you expected.A more thorough explanation:
A joint and several note is a type of promissory note where multiple makers are jointly and severally liable for repayment. This means that the payee can legally seek payment from all the makers or any one of them for the entire debt.
For example, if three people sign a joint and several note for $10,000 and one of them defaults, the payee can legally seek payment from the other two makers for the entire $10,000 debt.
Joint and several notes are often used in business transactions where multiple parties are involved in the repayment of a debt. It provides the payee with greater security and flexibility in seeking repayment.