When two or more creditors or two or more debtors concur in one and the same obligation, the presumption is that the obligation is joint.
Exceptions:
The obligation shall be solidary when:
1. Expressly stipulated that there is solidarity;
2. Law requires solidarity;
3. Nature of the obligation requires solidarity;
4. Charge or condition is imposed upon heirs or legatees and the will expressly makes the charge or condition in solidum (Manresa); or
5. solidary responsibility is imputed by a final Judgment upon several defendants.(Gutierrez v. Gutierrez, 56 Phil 177)
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