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never sign a guarantee agreement thats what most lawyers will tell you but lets get in the real world and lets face it some lawyers arent if youre in business and youre looking for some kind of loan or line of credit in order to grow your business then you will almost certainly have to sign a guarantee agreement at some stage so lets look at guaranty agreements for what they really are that is a necessary evil now if you are able to negotiate your way out of a guarantee agreement then thats absolutely fantastic but if like most of us you dont have that negotiating power then what can you do well one option may be to look at the terms of that guarantee agreement and negotiate better terms to make sure that your exposure is not as much as it otherwise would be or at the very least know what youre getting yourself into so that you go into the whole arrangement with open eyes for example one of the mistakes i often see is that people sign guarantee agreements thinking that they