A surety under ordinary suretyship shall have the right to refuse to assume suretyship liability to the creditor before the dispute over the principal contract goes to trial or arbitration and the obligation fails to be performed despite enforcement legally executed against the property of the debtor, except under any of the following circumstances： (1) The whereabouts of the debtor are unknown, and no property is available for enforcement. (2) The people's court has accepted the debtor bankruptcy case. (3) The creditor has evidence that the debtor has insufficient property to perform the whole obligation or becomes insolvent. 一般保证的保证人在主合同纠纷未经审判或者仲裁，并就债务人财产依法强制执行仍不能履行债务前，有权拒绝向债权人承担保证责任，但是有下列情形之一的除外： （一）债务人下落不明，且无财产可供执行； （二）人民法院己经受理债务人破产案件； （三）债权人有证据证明债务人的财产不足以履行全部债务或者丧失履行债务能力。