INCIONG V. CA  
257 SCRA 578

FACTS:

A promissory note was issued by petitioner together with  2 others  jointly and severally, to make them liable to PBC.  Thereafter was a default on the payment of the note.  PBC proceeded against Inciong and in the action filed by the bank, the court decided in its favor.  
 

HELD:

Where  the  promissory  note  expressly  states  that  the  three  signatures therein are jointly and severally liable, any one or some or all of them may be  proceeded  against  for  the  entire  obligation—the  choice  is  left  to  the solidary creditor to determine against whom he will enforce collection.