Legal analysis: If there is no agreement on general guarantee liability, it is joint and several guarantee liability. We can sue together. In addition, see if there is an agreed repayment period for your loan. Within two years from the expiration date, it shall be protected by law. Overdue is not protected by law. But it can prove that you are asking for money, and the prescription is interrupted. It is suggested that the borrower and guarantor be recorded when asking for money.

legal basis: article 667 of the civil code of the people's Republic of China

? A loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

article 668? The loan contract shall be in written form, unless it is otherwise agreed between natural persons.

the contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

article 669? When concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.