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What if the lender deliberately fails to repay the guarantor?
Article 19 of the Guarantee Law stipulates: "If the parties have not agreed or the agreement is unclear, they shall bear the guarantee liability according to the joint and several guarantee liability." Article 18 stipulates: "If the guarantor of joint liability fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of his guarantee.

Related knowledge: the difference between general guarantee and joint guarantee.

The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract dispute is tried or arbitrated and the debtor's property is enforced according to law. However, if the debtor who undertakes the joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period stipulated in the main contract, the creditor may require the debtor to perform the debt, and may require the guarantor to assume the guarantee responsibility within the scope of his guarantee.

(A) the legal liability of general guarantee

If the guarantee you set up for others is a general guarantee, the creditor should first file a lawsuit against the debtor who actually performed it, that is, the creditor, and demand repayment. If the debtor has filed a lawsuit against him and enforced his property according to law, the creditor can only ask you to bear the guarantee responsibility. However, if the debtor changes his domicile, which makes it very difficult for the creditor to ask him to perform, or if the debtor has gone bankrupt and the case has been accepted by the court, the execution procedure shall be suspended, or if you give up this right in writing, the creditor may directly seek you.

(B) the legal liability of joint and several guarantees

If it is stipulated in the suretyship contract that the debtor shall bear joint and several liabilities, or if there is no agreement or the agreement is unclear, the creditor shall bear the suretyship liability according to the joint and several liability guarantee, that is, the creditor has the right to ask you to repay the debts beyond the actual debtor. But no matter what form of guarantee, you have the right to recover from the debtor after assuming the guarantee responsibility. I suggest you collect the evidence of your debt repayment for your friend, bring a lawsuit to the court, and ask your friend to bear the responsibility of your debt repayment.