Is a Guarantor a Debtor?

Is a Guarantor a Debtor? DAILY LAW TIPS by Onyekachi Umah,Esq. (Tip 45)

A GUARANTOR is technically a debtor. He is expected to pay where and when the Principal/Main Debtor fails to pay an agreed debt.
Think twice before your sign a Guarantor’s form/agreement.

My authorities:

  1. The case of CROWN FLOUR MILLS LTD V. OLOLAUN (2008) 4 NWLR (PT. 1077), 254 @ 298. Is a Guarantor a Debtor?
  2. Onyekachi Umah, “A GUARANTOR/ SURETY AND A WITNESS ARE NOT SAME” (, 12 May 2020) <> accessed 24 July 2021.
  3. Onyekachi Umah, “WHEN, WHY AND HOW CAN A GUARANTOR/SURETY BE HELD LIABLE FOR DEBT GUARANTEED” (, 25 July 2019) <> accessed 24 July 2021.
  4. Onyekachi Umah, “What is a Friendly Loan?” (, 15 April 2021) <> accessed 24 July 2021
  5. Onyekachi Umah, “Conditions for Assignment of Burden or Benefit of Debt” (, 30 March 2021) <> accessed 24 July 2021.

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