Ask the guarantee company for money, or sue if you don't give it. The general process of suing arrears is as follows: 1. Write an indictment; 2. Take the evidence and the indictment to the court to file a case and pay the legal fees; 3. The court will hold a hearing after examining and confirming the acceptance; 4. Court decision; 5. Execute the judgment. Trial time of civil cases: summary procedures should be concluded within 3 months. The ordinary procedure will end in six months. Article 120 A complaint shall be submitted to the people's court in the form of a complaint, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.