Do you know the meaning of "four map joint pains" in Northeast China? Plant flowers, raise birds, protect media, and protect! "Terrapin" means stick, which means two fools!
However, in today's society, there are still some people who really make the guarantee business to the extreme and earn a lot of money, that is, Ma Yun and Liu.
What can you do if you return it?
My nephew borrowed 300 thousand to do business, and I am the guarantor. This year, an accident destroyed my nephew. As a close relative's aunt, my bank deposit as a guarantor was frozen, and my salary card was deducted every month except the living expenses. In the face of disasters, human weaknesses are exposed and family ties are tested!
My nephew started a company that recycles old waste products. He needs a loan of 300,000 yuan to expand his business, and he needs a person with a fixed salary as a guarantee. My brother and nephew came to see me and wanted me and my husband to work in the city as a guarantee.
At that time, my nephew's business was booming. He said that the bank loan would be paid off soon. On that day, when my brother and nephew came to my house, my husband was still at work.
At that time, I felt that my brother and nephew were going to kiss again and dared not make their own decisions. After all, 300,000 is not a small sum for us.
We have been married for so many years, and we haven't saved much money. I honestly told my brother what I thought, and my brother said I should discuss it with my husband.
My brother is a clever man. If he can promise, he will promise. If he can't promise, just tell me. I told my husband about it after work in the evening.
My husband says it's best not to promise a guarantee, because a guarantee requires joint liability. Once the borrower fails to pay back the money, the guarantor will be sued for repayment and his salary will be deducted.
Hearing such a serious situation, I also backed out, but how can I explain it to my brother? I think so, too. After all, they are close relatives. When things happen, relatives should help each other.
I remember my brother working for me to earn tuition. At that time, my brother was working in other places. In order to save money, he didn't often go home during the New Year.
My eyes are red at the thought. There are things at home, and relatives don't help. Who will help? Everyone may have encountered difficulties at some point.
At this time, we can see the importance of family ties. At the beginning, my mother-in-law and I had a conflict and moved out to rent a house. My brother and sister-in-law came to see me and comforted me. They left me 2000 yuan. At that time, they could not earn much money by farming for a year.
My nephew just made me make a promise. Will my brother be angry if I don't promise? Will my sister-in-law call me heartless?
My husband and I discussed it for a long time. Finally, my husband said, let's do it alone, so if something goes wrong, at least one of us can have food, and it makes sense for my brother to be there.
On the third day, my brother came again. I told my brother what I discussed with my husband. My brother is very grateful to my husband and says he is very considerate. In this way, I signed a letter of guarantee.
My nephew's business is doing well. I am really happy to see my nephew promising. During the Mid-Autumn Festival, my nephew and niece bought many gifts to see us.
Bought several boxes of good wine for my husband. In fact, they are all close relatives, but there is no guarantee. My nephew also visits us every year.
However, something unexpected happened. Just when my nephew's business was booming, the accident happened!
From June 5438 to this year 10, my nephew recovered a large number of cartons and other waste materials.
The night before, a dozen people were busy packing, ready to load the car and transport it away tomorrow. When people were busy until 1 1 in the evening, my nephew took several people home and left one person on duty.
This man, an old man in his fifties, likes smoking at ordinary times. When my nephew left that day, he was repeatedly told not to smoke. The whole house and yard are flammable, and the old man promised very well.
After others left, he actually smoked in bed, probably because he was tired from work. He fell asleep in the middle of smoking, and the smoke fell to the ground, igniting some flammable materials.
When the old man was awakened by choking, the fire was already very big. Flammables in the house will produce toxic gases when burned. Later, although the old man escaped, he was burned to death and all the goods in the yard were reduced to ashes.
In order to treat burns for the elderly, my brother's family spent all their savings. Seeing that the loan is due, my nephew and my brother can't come up with this 300,000 yuan to repay the loan.
As a result, the bank sued the borrower and guarantor. As a guarantor, hundreds of thousands of deposits in our bank have been frozen, and wages have been deducted except living expenses. For a while, I really had no idea.
Although my husband didn't say anything, I could see that his mind was heavy and he lost his advice. We only use one person to guarantee, otherwise life will be difficult.
Being urged by the bank, I got a big bubble in my mouth overnight. My brother and nephew had such a big accident that they sold everything they could at home. How can I go to them again and add new troubles to them?
Finally, Mr. Wang thought of a way. 300,000 yuan is not much. Take out hundreds of thousands of savings at home, and then we can borrow them from friends separately to see if we can get together.
On weekends, my husband and I called separately and started to borrow money. I made a dozen phone calls and only borrowed tens of thousands of dollars. We are ordinary people and all our friends are ordinary people. In recent years, under the epidemic, everyone is struggling.
Except for a few close friends, ordinary friends are really embarrassed to talk.
On Sunday afternoon, my husband and I checked how much money our friends sent us. As a result, it was 300,000 short and 40,000 short. I was so anxious that I didn't eat all day.
At this time, my husband called my sister and brother-in-law silently, and we didn't expect much, because my sister's two children, one in high school and the other in college, were doing business at home, but the business was not very prosperous in the past two years.
But what I didn't expect was that not long after I put the phone down, my brother-in-law drove my elder sister and brought us 50 thousand yuan.
It turned out that my brother-in-law didn't know that something had happened to my mother's house until he got a call from my husband. Without saying anything, he and his sister took money from the bank to us. Besides, he took 10 thousand more and explained that this 10 thousand was for my brother.
Brother-in-law said: Who won't be helped by relatives after such a big accident? A word from my sister's brother-in-law made me break through the defense line in an instant, and I was moved to tears. I don't know what to say!
At this moment, the door rang. Opening it, it turned out to be my brother and my sister-in-law. It turns out that my brother also received a bank lawsuit. Knowing that I was involved in this matter, he quickly sold the house in his hometown. He sent it to us as soon as he got the money today.
A room full of people, except relatives or relatives, the original affection has always been there, and the truth that blood is thicker than water is never out of date.
I was moved and surrounded by deep affection. All languages are pale in front of family.
People's life may not be smooth sailing, and they may experience wind, frost, rain and snow, but no matter when and where, no matter the ups and downs, relatives will always be our strong backing!
At present, you can only pay his debts temporarily.
I hope his life will get better, and then I will return the money he should have given to the bank to you.
Never guarantee a loan to anyone unless he is your father or son.
You promised that you were responsible.
Lend another 500 thousand to relatives to make a comeback and pay their debts [yi tooth]
I can't help it, just pay it back.
That's what the guarantee means. What can you do? Help him return it slowly.
This is the right thing to do. Are you ignorant of law? If you lend money to others and pay back the money yourself, the credibility of the bank will also be discounted. The key point is that you are not facing wage deduction, property auction or legal treatment. This is not an alarmist.