Responsibility of consulting loan guarantor

1. If it can be proved that credit cooperatives and borrowers have traditionally cheated the guarantee, the guarantor will not assume the guarantee responsibility.

Judging from what you have introduced, it is difficult to conclude that both parties colluded to defraud the guarantee.

In view of the facts you stated, I personally think you can report the case. After the debtor arrives at the case, you can only be exempted from your guarantee responsibility if you confess to colluding with the credit union to defraud your guarantee.