Orin owned in fee simple Blueacre, a farm of 300 acres. He died and by will duly admitted to probate devised Blueacre to his surviving widow, Wilma, for life with remainder in fee simple to his three children, Cindy, Clara, and Carter. All three children survived Orin. At the time of Orin's death, there existed a mortgage on Blueacre that Orin had given 10 years before to secure a loan for the purchase of the farm. At his death, there remained unpaid $40,000 in principal, payable in installments of $4,000 per year for the next 10 years. In addition, there was due interest at the rate of 10 percent per annum, payable annually with the installment of principal. Wilma took possession and out of a gross income of $50,000 per year realized $25,000 net after paying all expenses and charges except the installment of principal and interest due on the mortgage. Carter and Cindy wanted the three children, including Clara, to each contribute one-third of the amounts needed to pay the mortgage installments. Clara objected, contending that Wilma should pay all of these amounts out of the profits she had made in operation of the farm. When foreclosure of the mortgage seemed imminent, Clara sought legal advice. If Clara obtained sound advice relating to her rights, she was told that 
her only protection lies in instituting an action for partition to compel the sale of the life estate of Wilma and to obtain the value of her own one-third interest in remainder. she could obtain appropriate relief to compel Wilma personally to pay the sums due because the income is more than adequate to cover these amounts. she could be compelled personally to pay her share of the amounts due because discharge of the mortgage enhances the principal. she could not be held personally liable for any amount but that her share in remainder could be lost if the mortgage installments are not paid.