Southerland, C. J.:
On December 16, 1954, Aaron ICeil and Ada B. ICeil, husband and wife, acquired title as tenants by the entirety to certain real estate in the City of Wilmington. On April 11, 1956, they borrowed $8,000, the debt being evidenced by a joint bond, payable in five years, and secured by a mortgage on the property. The proceeds of the loan were used to improve the property.
Aaron ICeil died August 5, 1956. His will, dated January 26, 1955, was duly proved. At the time of his death nothing had been paid upon the debt.
Proceedings were had in the Orphans’ Court looking to a final decree of distribution of the personal estate of the testator. The executors filed a petition for a final decree of distribution. In effect, they sought instructions from the court upon the ques[353]*353tian whether the estate was liable to the widow in respect of all or any part of the joint debt of $8,000 above referred to.
For the widow it was contended (1) that she was, because of the language of the will, entitled to be wholly exonerated from liability for the debt; and (2), if not entitled to be exonerated, she was entitled to contribution of one-half of the debt.
The legatees contended that she was entitled to nothing.
The Orphans’ Court held (1) that the will evidenced no intention that the debt should be paid out of the testator’s estate; and (2) that the widow was not entitled to contribution. The widow appeals. She renews here the two contentions made below.
1. The intent of the will.
The will contained the usual provision directing the executors to pay “all my just debts and funeral expenses.” The testator’s furniture and a legacy of $35,000 were bequeathed to the wife. A number of other monetary bequests were made to relatives and to certain charitable institutions, and the residue was bequeathed to one of the charitable institutions. The legacy of $35,000 to the wife was first to be paid in full, next the legacies to relatives, and next a certain legacy to one of the institutions.
If the estate must pay the $8,000 debt the funds remaining will be insufficient to pay all of the legacies to the institutions and nothing will be payable to the residuary legatee.
The widow contends that the will evidences an intent that she is to be exonerated from any liability for the debt. The argument runs as follows:
(1) There is an express command to pay all just debts; (2) when the husband made his will the debt had not been created, and he intended her to have the real estate unencumbered; (3) he gave his widow only $35,000 out of a personal [354]*354estate of over $122,000 and did not intend that that legacy should be diminished by the payment of any of his debts.
In our opinion these circumstances, considered either separately or together, are not sufficient to raise any inference that the entire $8,000 debt should be paid from the husband’s estate. The provision for the payment of debts is merely the standard provision found in most wills, and is merely declaratory of the law. The arguments based on the other two circumstances are merely surmises; no language in the will supports them. The case of Stieff v. Millikin, 162 Md. 245, 159 A. 599, cited by the widow, involved a finding of fact that the debt was the sole obligation of the husband, and that an attempted devise of the land to the wife, though ineffectual, evidenced an intent to exonerate the land from the mortgage debt. It is not in point here.
We find nothing in the will supporting the widow’s first contention.
2. The claim, of contribution.
The question is this: If husband and wife jointly incur an indebtedness secured by a mortgage on property held as tenants by the entireties, and one spouse dies, is the estate of the decedent liable to contribute to the survivor one-half of the common debt?
There is no decision of a court of last resort in Delaware upon the question. In addition to the decision below in this case, denying contribution, there is a decision of the Court of Chancery in a like case, granting contribution. See Carpenter v. Webb, February 21, 1958, unreported, and later withdrawn by the Chancellor to permit him to resolve certain factual issues found to be in dispute.
There is no dispute about the general principle of contribution. If a lien, charge, or burden of any kind, affecting sev- - eral, is discharged by one only, he should receive from the rest [355]*355what he has paid on their behalf. Eliason v. Eliason, 3 Del. Ch. 260.
But the application of this principle to cases like the instant case has caused difficulty. There is involved in such a case not only a common burden or obligation arising from the bond or note evidencing the debt, but also the mortgage lien on the land in which both obligors have an interest when the debt is incurred, but which on the death of one passes by operation of law to the other.
There are two lines of decisions in other states dealing with the question, one line denying contribution and the other granting it.
Cases denying contribution are: Ratte v. Ratte, 260 Mass. 165, 156 N. E. 870; Lopez v. Lopez, Fla., 90 So. 2d 456; Gledart v. Bank of New York & Trust Co., 209 App. Div. 581, 205 N. Y. S. 238.
Cases granting contribution are: In re Dowler’s Estate, 368 Pa. 519, 84 A. 2d 209; Cunningham v. Cunningham, 158 Md. 372, 148 A. 444, 67 A. L. R. 1176; Brown v. Hargraves, 198 Va. 748, 96 S. E. 2d 788; Wachovia Bank & Trust Co. v. Black, 198 N. C. 219, 151 S. E. 269; Magenheimer v. Councilman, 76 Ind. App. 583, 125 N. E. 77; Newson v. Shakleford, 163 Tenn. 358, 43 S. W. 2d 384.
The reasoning of the first line of decisions is that at the time when the debt is paid there is no common burden upon the land subject to the mortgage lien because the title has passed to the surviving spouse. It is therefore held inequitable to compel contribution from a joint debtor who has no interest in the land. In this view the debt is treated as a mere incident to the mortgage lien, and the right to contribution between joint debtors thus is made to depend upon the nature of the collateral held by the creditor. This view is approved in two articles in 13 Pittsburg L. Rev. 760 and 3 Hastings L. Jour. 161.
[356]*356 The reasoning of the second line of cases is founded upon the well-settled principle that where two or more persons are under a common burden or liability the joint debtor who is compelled to pay more than his share is entitled to contribution from his co-obligors. In this view the right of contribution flows from the debt, not from the mortgage lien. The incidental existence of collateral in the hands of the creditor is regarded as immaterial in enforcing this right.
Of the two lines of reasoning we think that the latter expresses the correct view, for the following reasons:
A joint and several obligation of two parties, whether or not husband and wife, creates an obligation which is, on its face, for the benefit of both.
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Southerland, C. J.:
On December 16, 1954, Aaron ICeil and Ada B. ICeil, husband and wife, acquired title as tenants by the entirety to certain real estate in the City of Wilmington. On April 11, 1956, they borrowed $8,000, the debt being evidenced by a joint bond, payable in five years, and secured by a mortgage on the property. The proceeds of the loan were used to improve the property.
Aaron ICeil died August 5, 1956. His will, dated January 26, 1955, was duly proved. At the time of his death nothing had been paid upon the debt.
Proceedings were had in the Orphans’ Court looking to a final decree of distribution of the personal estate of the testator. The executors filed a petition for a final decree of distribution. In effect, they sought instructions from the court upon the ques[353]*353tian whether the estate was liable to the widow in respect of all or any part of the joint debt of $8,000 above referred to.
For the widow it was contended (1) that she was, because of the language of the will, entitled to be wholly exonerated from liability for the debt; and (2), if not entitled to be exonerated, she was entitled to contribution of one-half of the debt.
The legatees contended that she was entitled to nothing.
The Orphans’ Court held (1) that the will evidenced no intention that the debt should be paid out of the testator’s estate; and (2) that the widow was not entitled to contribution. The widow appeals. She renews here the two contentions made below.
1. The intent of the will.
The will contained the usual provision directing the executors to pay “all my just debts and funeral expenses.” The testator’s furniture and a legacy of $35,000 were bequeathed to the wife. A number of other monetary bequests were made to relatives and to certain charitable institutions, and the residue was bequeathed to one of the charitable institutions. The legacy of $35,000 to the wife was first to be paid in full, next the legacies to relatives, and next a certain legacy to one of the institutions.
If the estate must pay the $8,000 debt the funds remaining will be insufficient to pay all of the legacies to the institutions and nothing will be payable to the residuary legatee.
The widow contends that the will evidences an intent that she is to be exonerated from any liability for the debt. The argument runs as follows:
(1) There is an express command to pay all just debts; (2) when the husband made his will the debt had not been created, and he intended her to have the real estate unencumbered; (3) he gave his widow only $35,000 out of a personal [354]*354estate of over $122,000 and did not intend that that legacy should be diminished by the payment of any of his debts.
In our opinion these circumstances, considered either separately or together, are not sufficient to raise any inference that the entire $8,000 debt should be paid from the husband’s estate. The provision for the payment of debts is merely the standard provision found in most wills, and is merely declaratory of the law. The arguments based on the other two circumstances are merely surmises; no language in the will supports them. The case of Stieff v. Millikin, 162 Md. 245, 159 A. 599, cited by the widow, involved a finding of fact that the debt was the sole obligation of the husband, and that an attempted devise of the land to the wife, though ineffectual, evidenced an intent to exonerate the land from the mortgage debt. It is not in point here.
We find nothing in the will supporting the widow’s first contention.
2. The claim, of contribution.
The question is this: If husband and wife jointly incur an indebtedness secured by a mortgage on property held as tenants by the entireties, and one spouse dies, is the estate of the decedent liable to contribute to the survivor one-half of the common debt?
There is no decision of a court of last resort in Delaware upon the question. In addition to the decision below in this case, denying contribution, there is a decision of the Court of Chancery in a like case, granting contribution. See Carpenter v. Webb, February 21, 1958, unreported, and later withdrawn by the Chancellor to permit him to resolve certain factual issues found to be in dispute.
There is no dispute about the general principle of contribution. If a lien, charge, or burden of any kind, affecting sev- - eral, is discharged by one only, he should receive from the rest [355]*355what he has paid on their behalf. Eliason v. Eliason, 3 Del. Ch. 260.
But the application of this principle to cases like the instant case has caused difficulty. There is involved in such a case not only a common burden or obligation arising from the bond or note evidencing the debt, but also the mortgage lien on the land in which both obligors have an interest when the debt is incurred, but which on the death of one passes by operation of law to the other.
There are two lines of decisions in other states dealing with the question, one line denying contribution and the other granting it.
Cases denying contribution are: Ratte v. Ratte, 260 Mass. 165, 156 N. E. 870; Lopez v. Lopez, Fla., 90 So. 2d 456; Gledart v. Bank of New York & Trust Co., 209 App. Div. 581, 205 N. Y. S. 238.
Cases granting contribution are: In re Dowler’s Estate, 368 Pa. 519, 84 A. 2d 209; Cunningham v. Cunningham, 158 Md. 372, 148 A. 444, 67 A. L. R. 1176; Brown v. Hargraves, 198 Va. 748, 96 S. E. 2d 788; Wachovia Bank & Trust Co. v. Black, 198 N. C. 219, 151 S. E. 269; Magenheimer v. Councilman, 76 Ind. App. 583, 125 N. E. 77; Newson v. Shakleford, 163 Tenn. 358, 43 S. W. 2d 384.
The reasoning of the first line of decisions is that at the time when the debt is paid there is no common burden upon the land subject to the mortgage lien because the title has passed to the surviving spouse. It is therefore held inequitable to compel contribution from a joint debtor who has no interest in the land. In this view the debt is treated as a mere incident to the mortgage lien, and the right to contribution between joint debtors thus is made to depend upon the nature of the collateral held by the creditor. This view is approved in two articles in 13 Pittsburg L. Rev. 760 and 3 Hastings L. Jour. 161.
[356]*356 The reasoning of the second line of cases is founded upon the well-settled principle that where two or more persons are under a common burden or liability the joint debtor who is compelled to pay more than his share is entitled to contribution from his co-obligors. In this view the right of contribution flows from the debt, not from the mortgage lien. The incidental existence of collateral in the hands of the creditor is regarded as immaterial in enforcing this right.
Of the two lines of reasoning we think that the latter expresses the correct view, for the following reasons:
A joint and several obligation of two parties, whether or not husband and wife, creates an obligation which is, on its face, for the benefit of both. Upon the death of one party his estate is still liable for the debt. And if the right of contribution, upon payment of the debt during the lifetime of both, is an attribute of the joint liability, we fail to see why it does not exist upon payment made after the death of one. The payment of the debt by the survivor is certainly a benefit to the estate because it discharges a liability of the estate. This is true whether or not there is any collateral in the hands of the creditor. Certainly if there were no collateral contribution would be allowed. And what of the case in which one obligor has pledged his own collateral for a joint debt? Unless his coobligor is a mere accommodation maker, it is held that he is entitled to contribution. Commerce Union Bank v. Weis, 27 Tenn. App. 433, 181 S. W. 2d 764. In such a case the co-obligor has no interest in the property — the collateral — but must contribute if the other obligor discharges the common liability.
There are of course cases in which the right of contribution flows not from a joint debt but from a common interest in property subject to a lien. See Eliason v. Eliason, supra. In that case a widow’s dower was charged by will on land specifically devised, and the owner of that land was held entitled to contribution from the devisees of other lands which by law were subject to her dower.
[357]*357The authorities denying contribution seem to us to treat cases involving mortgage liens on estates by the entirety exactly as cases in which there is no joint debt, at least in cases of purchase money mortgages. The debt is treated as a mere incident of the mortgage lien. Thus the Lopez case goes so far as to hold that the attributes of the estate by the entireties, which constitutes the collateral security, become the attributes of the debt itself — the bond or note. The case holds that the debt, like the land, must be considered, as between the tenants themselves, as being a debt owed wholly by the wife and wholly by the husband. We do not think that this holding agrees with Delaware law. A joint and several obligation under our law may be enforced by the creditor against both or either; but as between obligors each of them, in the ordinary case, is liable for one-half the debt.
In our opinion, a common interest in the land or property mortgaged or pledged for a joint debt is not the element that controls the right to contribution. The liability to contribution flows directly from the debt, and the mortgage is only the security for the debt.
Counsel for the legatees make the point that the proceeds of the loan were in this case used to improve the jointly-owned property, and that the wife will now receive the benefit of the loan. Of course at the time the loan was made it was for the benefit of both. And this argument suggests a rule that the use of the proceeds of the loan may determine the existence or nonexistence of the right to contribution. This would, in our opinion, be a rule difficult of application. Of course, if it can be shown that one of the parties was in fact only an accommodation maker of the obligation contribution would be denied. But that is not shown here. This is the ordinary case of a joint debt, contracted by both parties for their common benefit. In such a case we think the estate of the deceased debtor is liable to contribute one-half of thé debt.
A further observation must be added. Both parties agree that although the debt in this case has not been paid the execu[358]*358tor is entitled to instructions respecting his liability. Consequently, we have not considered or passed upon the question whether contribution may be enforced prior to payment. Nor do we consider what provisions should be incorporated in the decree of distribution to protect the rights of the widow.
For the reasons above stated, we are compelled to disagree with the holding in this case by the Orphans’ Court, and to agree with the holding of the Court of Chancery in the Carpenter case above referred to.
It follows that the judgment below must be reversed.
The cause is remanded to the Orphans’ Court of New Castle County, with instructions to vacate the judgment below, and to enter a judgment consistent with this opinion.