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南昌王先生(sheng)：我朋友(you)向我借了(le)5萬元，當時寫了(le)借條，并且借條上還(huan)有擔(dan)保(bao)人(ren)在上面(mian)簽了(le)字，約定如果朋友(you)不還(huan)錢(qian)，就由擔(dan)保(bao)人(ren)負責(ze)還(huan)款。請(qing)問，這(zhe)個(ge)擔(dan)保(bao)有沒有法律效力?
江(jiang)西(xi)中矗律(lv)(lv)師事(shi)務所肖卓孝律(lv)(lv)師：擔保(bao)(bao)(bao)(bao)(bao)合同(tong)應當以書面的(de)(de)形式訂立(li)，根(gen)據擔保(bao)(bao)(bao)(bao)(bao)法(fa)司(si)法(fa)解(jie)釋(shi)規定(ding)(ding)(ding)，主合同(tong)中雖然沒有(you)保(bao)(bao)(bao)(bao)(bao)證(zheng)條款，但是(shi)擔保(bao)(bao)(bao)(bao)(bao)人(ren)在(zai)(zai)主合同(tong)上以擔保(bao)(bao)(bao)(bao)(bao)人(ren)的(de)(de)身份簽字或者(zhe)蓋章的(de)(de)，保(bao)(bao)(bao)(bao)(bao)證(zheng)合同(tong)成立(li)。所以這個擔保(bao)(bao)(bao)(bao)(bao)具有(you)法(fa)律(lv)(lv)效力。同(tong)時，擔保(bao)(bao)(bao)(bao)(bao)法(fa)規定(ding)(ding)(ding)當事(shi)人(ren)在(zai)(zai)保(bao)(bao)(bao)(bao)(bao)證(zheng)合同(tong)中約定(ding)(ding)(ding)，債務人(ren)不(bu)能履行債務時，由擔保(bao)(bao)(bao)(bao)(bao)人(ren)承擔保(bao)(bao)(bao)(bao)(bao)證(zheng)責(ze)任(ren)(ren)的(de)(de)，為一般保(bao)(bao)(bao)(bao)(bao)證(zheng)。所以你的(de)(de)擔保(bao)(bao)(bao)(bao)(bao)責(ze)任(ren)(ren)為一般擔保(bao)(bao)(bao)(bao)(bao)。