The amount tendered must be equal to the amount of the indebtedness. Tender of less than the amount due is ineffective.1 So if tender is made after interest has begun to run, it must include interest,2 and tender made after an action has been instituted must include costs,3 and the creditor's attorney's fee, where the right thereto given by statute has accrued.4 Tender of the additional sum suggested as a reasonable attorney's fee by the plaintiff's attorney is sufficient.5 If the action has been instituted without making the statutory demand, and hence the defendant is not liable for costs, tender need not include costs.6 So if expenses authorized by law have been incurred on account of the debtor's default, such as advertising a sale under a deed of trust7 or expenses incurred by taking property under a chattel mortgage8 the tender must include such expenses. Tender of the amount found to be due by a court of original jurisdiction is insufficient to stop interest if the amount is increased on appeal.9 Tender of an insufficient sum is not made valid by the fact that the debtor in good faith believes that he is tendering all that is due.10 If the debtor owes several distinct claims to his creditor, he may tender payment of one of them, leaving the other unpaid.11 The debtor must, in such case, notify the creditor that the tender is made for the specific debt. If without such notice, the debtor tenders to the creditor upon his entire indebtedness a sum less than the entire amount due, but greater than one of the debts, it is insufficient.12

14 Bates v. Bates, Walk. (Miss.) 401; 12 Am. Dec. 572.

15 Dixon v. Fletcher, 3 M. & W. 146; Rommel v. Wingate, 103 Mass. 327; Croniger v. Crocker, 62 N. Y. 151.

16 Perry v. Iron Co., 16 R. I. 318; 15 Atl. 87.

1 Angier v. Loan Association, 109 Ga. 625; 35 S. E. 64; Deering Harvesting Co. v. Hamilton. 80 Minn. 162; 83 N. W. 44; Pinney v. Jorgen-son. 27 Minn. 26; 6 N. W. 376; North v. Mallett. 2 Hayw. (N. C.) 151; 2 Am. Dec. 622.

2 See Sec. 1425.

3 McCourt v. Johns, 33 Or. 561; 53 Pae. 601.

4 Mclnerney v. Lindsay, 97 Mich. 238; 56 N. W. 603.

1 Lilienthal v. McCormick, 117 Fed. 89; 54 C. C. A. 475; McCalley v. Otey, 103 Ala. 469; 15 So. 945; Colton v. Bank, 137 Cal. 376; 70 Pac. 225; Welch v. Adams, 152 Mass. 74; 9 L. R. A. 244; 25 N. E. 34; Montague v. Lougan, 68 Mich. 98; 35 N. W. 840; Spoon v. Fram-bach. 83 Minn. 301: 86 N. W. 106; Moore v. Norman. 43 Minn. 428; 19 Am. St. Rep. 247; 9 L. R. A. 55; 45 N. W. 857; Rand v. Harris, 83

N. C. 486; McKibbin v. Peters. 185 Pa. St. 518; 40 Atl. 288; Warden v. Sweeney, 86 Wis. 161; 56 N. W. 647.

2 Chicago, etc., Ry. v. Woodard. 159 Ind. 541; 65 N. E. 577; Louisiana Molasses Co. v. Le Sassier, 52 La. Ann. 2070; 28 So. 217; judgment affirmed, 52 La. Ann. 1768; 28 So. 223; Weld v. Bank, 158 Mass. 339; 33 N. E. 519.

3 Martin v. Whisler, 62 la. 416; 17 N. W. 593; Samuels v. Simmons (Ky.), 60 S. W. 937; Seeger v. Smith, 74 Minn. 279; 77 N. W. 3; McEldon v. Patton (Neb.), 93 N. W. 938; Burt v. Dodge. 13 Ohio 131; Berry v. Davis, 77 Tex. 191; 19 Am. St. Rep. 748; 13 S. W. 978.

4 Chicago, etc., Ry. v. Woodard. 159 Ind. 541; 65 N. E. 577. So where the mortgage provides for an attorney's fee and such provisions are upheld. Fuller v. Brown, 167 111. 293; 47 N. E. 202; affirming, 68 111. App. 239.

5 Smith v. Jackson, 153 111. 399; 39 N. E. 130.

6 People's Furniture, etc., Co. v. Crosby, 57 Neb. 282; 73 Am. St. Rep. 504; 77 N. W. 658.

7 McNiece v. Eliason, 78 Md. 168; 27 Atl. 940; McClung v. Trust Co., 137 Mo. 106; 38 S. W. 578.

8 Gould v. Armagost, 46 Neb. 897; 65 N. W. 1064.

9 Wolfort v. Reilly, 133 Mo. 463; 34 S. W. 847; Neilson v. Ry., 91 Wis. 557; 64 N. W. 849.

10 Helphrey v. Ry., 29 la. 480; Patnote v. Sanders, 41 Vt. 66; 98 Am. Dec. 564.

11 Carleton v. Whitcher, 5 N. H. 289.