債務人的催收對抵押擔保人有效嗎？

    咨詢問題：債務人的催收對抵押擔保人有效嗎？

    Advisory question: is the debtor's collection effective for the mortgagee?

    律師解答：XX律師解答

    Lawyer answer: Lawyer answer

    債權人向債務人收取債權的，對擔保人無效。債權人向擔保人主張債權，對擔保人有效。

    Answer: if the creditor collects the creditor's rights from the debtor, it is invalid for the guarantor. The creditor's claim against the guarantor is valid for the guarantor.

    法律觀點：

    Legal point of view:

    《中華人民共和國民法典》

    Civil code of the people's Republic of China

    第三百九十二條【人保和物保并存時擔保權的實行規則】被擔保的債權既有物的擔保又有人的擔保的，債務人不履行到期債務或者發生當事人約定的實現擔保物權的情形，債權人應當按照約定實現債權;沒有約定或者約定不明確，債務人自己提供物的擔保的，債權人應當先就該物的擔保實現債權;第三人提供物的擔保的，債權人可以就物的擔保實現債權，也可以請求保證人承擔保證責任。提供擔保的第三人承擔擔保責任后，有權向債務人追償。

    Article 392 where the secured creditor's right is secured by both material security and personal security, if the debtor fails to perform its due obligations or the circumstances agreed by the parties to realize the real right for security occur, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is not clear, and the debtor provides the security of the thing itself, the creditor shall first realize the creditor's rights with respect to the security of the thing; Where a third party provides a security of things, the creditor may realize his creditor's rights with respect to the security of things, or may request the guarantor to bear the responsibility of guarantee. After the third party providing the guarantee assumes the guarantee liability, it shall have the right to recover from the debtor.

    第六百九十三條【保證責任免除】一般保證的債權人未在保證期間對債務人提起訴訟或者申請仲裁的，保證人不再承擔保證責任。

    Article 693 if the creditor of a general suretyship fails to bring a lawsuit or apply for arbitration against the debtor during the term of suretyship, the surety shall no longer bear the suretyship liability.

    連帶責任保證的債權人未在保證期間請求保證人承擔保證責任的，保證人不再承擔保證責任。

    If the creditor of a suretyship of joint and several liability fails to request the surety to bear the suretyship liability during the suretyship period, the surety shall no longer bear the suretyship liability.

    相關問題：如果擔保人在擔保期間轉移資產怎么辦？

    Related question: what if the guarantor transfers assets during the guarantee period?

    擔保人在擔保期間為逃避履行擔保責任而轉讓財產的，債權人可以行使撤銷權，請求法院撤銷財產轉讓。

    If the guarantor transfers property during the guarantee period in order to avoid performing the guarantee responsibility, the creditor may exercise the cancellation right and request the court to cancel the property transfer.