If you’re a guarantor and the borrower starts defaulting, the easiest and smartest step is to act early instead of avoiding calls or notices. Talk honestly with the borrower, understand the situation, and try to help them negotiate smaller installments or extra time with the bank before the debt grows. Keep records of every payment and conversation, because guarantors are legally affected too. If repayment becomes impossible, it’s usually better to settle the matter through a restructuring or partial settlement rather than letting penalties and legal action increase the pressure on everyone involved.