765 ILCS 1005/3 : Rights and Remedies — Property — Miscellaneous Property — Joint Tenancy Act —Section 765 ILCS 1005/3 TEXT PDF Except as otherwise provided in this Act, all joint obligations and covenants shall be taken and held to be joint and several obligations and covenants. 765 ILCS 1005/3 Laws 1919, p. 633.