咨詢問題：債務(wù)人的催收對抵押擔(dān)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(quán)人向債務(wù)人收取債權(quán)的，對擔(dān)保人無效。債權(quán)人向擔(dān)保人主張債權(quán)，對擔(dān)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(dān)保權(quán)的實行規(guī)則】被擔(dān)保的債權(quán)既有物的擔(dān)保又有人的擔(dān)保的，債務(wù)人不履行到期債務(wù)或者發(fā)生當(dāng)事人約定的實現(xiàn)擔(dān)保物權(quán)的情形，債權(quán)人應(yīng)當(dāng)按照約定實現(xiàn)債權(quán);沒有約定或者約定不明確，債務(wù)人自己提供物的擔(dān)保的，債權(quán)人應(yīng)當(dāng)先就該物的擔(dān)保實現(xiàn)債權(quán);第三人提供物的擔(dān)保的，債權(quán)人可以就物的擔(dān)保實現(xiàn)債權(quán)，也可以請求保證人承擔(dān)保證責(zé)任。提供擔(dān)保的第三人承擔(dān)擔(dān)保責(zé)任后，有權(quán)向債務(wù)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(zé)任免除】一般保證的債權(quán)人未在保證期間對債務(wù)人提起訴訟或者申請仲裁的，保證人不再承擔(dān)保證責(zé)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(zé)任保證的債權(quán)人未在保證期間請求保證人承擔(dān)保證責(zé)任的，保證人不再承擔(dān)保證責(zé)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(guān)問題：如果擔(dān)保人在擔(dān)保期間轉(zhuǎn)移資產(chǎn)怎么辦？

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

    擔(dān)保人在擔(dān)保期間為逃避履行擔(dān)保責(zé)任而轉(zhuǎn)讓財產(chǎn)的，債權(quán)人可以行使撤銷權(quán)，請求法院撤銷財產(chǎn)轉(zhuǎn)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.