The Folly of Suretyship


 – according to Proverbs 6:1–5


FollyAn important part of being wise, according to the Old Testament, is knowing what constitutes foolishness and avoiding such behavior.
In Prov 6:1–19, Solomon identifies ten different acts of folly, the first of which is the folly of going surety for others.
Standing as surety or going guarantor means promising to take on the debt of someone else if that person defaults on the debt on question. A variation of this is putting up a certain amount of one’s assets as security in order for someone else to get a loan.
From the perspective of the wisdom literature in the Old Testament, going guarantor for someone else is not a good idea. Standing surety for someone else is putting yourself in a trap (Prov 6:1–2).
If the other person defaults on their debt repayments, then you are stuck with it, like a gazelle caught by a hunter, or like a bird caught in a trap (Prov 6:5).
Solomon’s teaching here is consistent with what we see elsewhere in the Bible.
In Prov 22:26–27, in the sayings of the wise, it says: “Do not be someone who strikes hands in pledge or goes surety for debts; if you lack the means to pay, why should your very bed be snatched from under you?” Similar teaching about avoiding going surety for someone else is found in Prov 11:15; 17:18.
From the biblical perspective, being in debt is generally a bad situation to be in, so why would you want to take on the debt of someone else? There is an old Assyrian proverb which says: “I have hauled sand; I have carried salt; but nothing is heavier than debt” (see Victor H. Matthews and Don C. Benjamin, Old Testament Parallels: Laws and Stories from the Ancient East [3rd ed.; Mahwah: Paulist, 2006], 306). Debt is something to avoid if at all possible.
For those who have fallen into the trap of going guarantor for someone else, Solomon says that such a person should not sleep until he has liberated himself from standing as surety (Prov 6:4–5).
In Prov 6:3, Solomon advocates grovelling forcefully with the creditor in order to negotiate a release from such an obligation.

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Steven Coxhead
Brother Coxhead has served as visiting lecturer in Hebrew and the Old Testament at the Sydney Missionary and Bible College since 2002. He’s taught Advanced Classical Hebrew regularly at the Macquarie Ancient Languages School since 2009. As a part-time lecturer at the Presbyterian Theological Centre in Sydney from 2002 to 2010, teaching the Old Testament, Romans, John’s Gospel, Biblical Hebrew, and New Testament Greek; and taught Johannine Theology and the Old Testament at the Wesley Institute in Sydney from 2010 to 2011. Steven also taught Old Testament, New Testament, and Systematic Theology in South-East Asia.
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