Although there is no explicit guarantee clause in the IOU, if a third person signs or seals under the column of "Guarantor" as a guarantor, it is presumed that the third person has the intention to assume the guarantee responsibility; The creditor and the debtor sign or seal the promissory note written by the guarantor, indicating that they agree with the content of the promissory note and that the person is the guarantor, that is, the contract is guaranteed and the third party bears the guarantee responsibility. According to the provisions of the Civil Code, if there is no agreement or unclear agreement on the way of guarantee in the guarantee contract, the parties shall bear the guarantee liability according to the general guarantee.

legal ground

The ways of guarantee in Article 686 of the Civil Code include general guarantee and joint liability guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee.