A Little WisdomTalmud stories for everyday life
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212 · 8 panels

The Signature Beside the Guarantor

The two prospective signers weren’t related to the borrower or the lender. Ara asked how they knew the guarantor.

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A group had come to borrow equipment for an event.
Story

A document waited to be signed at the neighborhood equipment desk.

A group had come to borrow equipment for an event.

Neither of the two people due to sign as witnesses was related to either side.
Story

Jin first checked who was borrowing and who was lending the equipment.

Neither of the two people due to sign as witnesses was related to either side.

The guarantor introduced them as cousins.
Story

The two prospective signers greeted the guarantor warmly.

The guarantor introduced them as cousins.

Ara listened while the signature spaces were still blank.
Ara

You’re both cousins of the guarantor. When does the guarantee come into play?

Ara listened while the signature spaces were still blank.

Jin confirmed that the guarantor might have to bear the cost.
Guarantor

I’ve agreed to cover repairs if the group can’t pay.

Jin confirmed that the guarantor might have to bear the cost.

She drew a line between the cards to show who might have to pay.
Story

Ara laid out three cards for the borrower, lender, and guarantor.

She drew a line between the cards to show who might have to pay.

Jin called another person to review it.
Ara

Let’s leave this unsigned while someone with no stake in the loan reviews it with us.

Jin called another person to review it.

They went on only after checking the responsibilities of all three roles together.
Story

The new reviewer read it again with everyone present.

They went on only after checking the responsibilities of all three roles together.

A thought from the Talmud

If the borrower can’t repay, the lender can turn to the guarantor. Rav Huna pointed out that the guarantor therefore has a stake in the document too.

The source idea in our own words · Not a direct quotation

Makkot 7a:1 · Read the source ↗

A lesson for today

At first Jin looked only at the people borrowing the equipment and the person lending it. When Ara asked who would bear the costs, they also saw how the guarantor and the prospective signers were related. They made the relationship clear and asked someone else to review the document before anyone signed. When we look at an agreement, it can help to ask who else may be responsible if things go wrong.

A modern interpretation for this story

A question to take with you

If things don’t go as planned, who might end up taking responsibility even though I didn’t notice them at first?

Share the question together with a link to this story.

About the source and this adaptation

In the Babylonian Talmud, Makkot 7a:1, Ile’a and Tuviyya signed as witnesses on a promissory note. Both were related to the guarantor. Rav Pappa thought their signatures were valid because they were related to neither borrower nor lender. Rav Huna, son of Rav Yehoshua, says the lender can claim the debt from the guarantor if the borrower cannot pay, so the guarantor is a party too. The wisdom line paraphrases this objection. The equipment desk and the review before signing are modern fiction created with AI assistance.

Read the source ↗

AI-generated artwork · Creative adaptation

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