What is the benefit of division and discussion?

In case of default, when there is more than one surety, each of the sureties is normally required to repay the entire debt. A surety can invoke, unless he has expressly waived it, the benefit of division so that the creditor divides its legal action and reduces it to the share and portion of each of them. The benefit of discussion allows the surety not to pay, unless the main borrower is insolvent.