As of 13 August 2026, AI cannot enforce a personal guarantee for a business debt.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface gets you a draft, but you cannot verify it yourself. That is the catch.

   How to actually do it

   1. Open the signed personal guarantee, the underlying loan or credit agreement, every amendment, and any document that records the guarantor's authority or consent.
   2. Gather the business account statements, invoices, payment schedule, default records, demands, settlement discussions and correspondence with the debtor and guarantor.
   3. Redact unnecessary personal data, keep the original files unchanged, and record which document came from which source and whether any page or signature is missing.
   4. Paste the documents and a factual debt summary into a chatbot using the supplied prompt, selecting the correct UK jurisdiction and stating only amounts and dates you can support.
   5. Compare the chatbot's chronology, quotations and document references against the originals, deleting any statement that is not supported by a specific document.
   6. Send the checked chronology, evidence list and unanswered questions to a solicitor, and ask the solicitor to review the guarantee before you send a demand or begin court enforcement.

   Prompt

   I need help preparing information for a UK solicitor about a possible claim under a personal guarantee for a business debt.
   
   Jurisdiction: [England and Wales, Scotland, or Northern Ireland]
   Creditor: [name or role]
   Business debtor: [name or role]
   Guarantor: [name or role]
   Debt type: [loan, trade account, lease, or other]
   Amount claimed and currency: [amount]
   Relevant dates: [dates, if known]
   
   I will paste the documents and correspondence below. Treat them as the only source of facts. Do not invent facts, legal provisions, deadlines, signatures or amounts. Do not decide that the guarantee is enforceable and do not tell me to issue proceedings or take another legal step.
   
   Please produce:
   1. A dated chronology based only on the material supplied.
   2. A table listing each document, what it appears to prove, and any missing page, signature, variation, notice or other evidence.
   3. The exact wording of the guarantee, any relevant amendments, and the obligations it appears to cover, with page references where available.
   4. A neutral list of issues a UK solicitor should check, including execution, authority, consideration, variations, notices, demand requirements, limitation, insolvency, jurisdiction, set-off and any possible defence. Mark each issue as confirmed, unclear or absent from the documents.
   5. A draft factual summary for a solicitor, without legal conclusions.
   6. A separate draft request to the guarantor for payment or engagement that is clearly labelled as a draft for solicitor review and contains no threats, admissions or invented deadline.
   7. Ten precise questions I should ask a solicitor before sending anything or starting enforcement.
   
   End with a short list of the documents and facts still needed. State clearly that this is not professional advice and that a solicitor should decide whether and how to enforce the guarantee.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.