Ask whether you are required to be a guarantor. According to Huajin.com, if a friend’s loan requires assistance from you, you should pay attention to whether you are required to act as a guarantor. The guarantor will be legally responsible. Normally, when a dispute arises over a loan in your name, there are the following ways to protect your rights: First, resolve through negotiation. If negotiation fails, you can file a civil lawsuit. It is also possible to initiate a civil lawsuit directly without consultation.