咨询问题：债务人的催收对抵押担保人有效吗？

    Advisory question: is the debtor's collection effective for the mortgagee?

    律师解答：XX律师解答

    Lawyer answer: Lawyer answer

    债权人向债务人收取债权的，对担保人无效。债权人向担保人主张债权，对担保人有效。

    Answer: if the creditor collects the creditor's rights from the debtor, it is invalid for the guarantor. The creditor's claim against the guarantor is valid for the guarantor.

    法律观点：

    Legal point of view:

    《中华人民共和国民法典》

    Civil code of the people's Republic of China

    第三百九十二条【人保和物保并存时担保权的实行规则】被担保的债权既有物的担保又有人的担保的，债务人不履行到期债务或者发生当事人约定的实现担保物权的情形，债权人应当按照约定实现债权;没有约定或者约定不明确，债务人自己提供物的担保的，债权人应当先就该物的担保实现债权;第三人提供物的担保的，债权人可以就物的担保实现债权，也可以请求保证人承担保证责任。提供担保的第三人承担担保责任后，有权向债务人追偿。

    Article 392 where the secured creditor's right is secured by both material security and personal security, if the debtor fails to perform its due obligations or the circumstances agreed by the parties to realize the real right for security occur, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is not clear, and the debtor provides the security of the thing itself, the creditor shall first realize the creditor's rights with respect to the security of the thing; Where a third party provides a security of things, the creditor may realize his creditor's rights with respect to the security of things, or may request the guarantor to bear the responsibility of guarantee. After the third party providing the guarantee assumes the guarantee liability, it shall have the right to recover from the debtor.

    第六百九十三条【保证责任免除】一般保证的债权人未在保证期间对债务人提起诉讼或者申请仲裁的，保证人不再承担保证责任。

    Article 693 if the creditor of a general suretyship fails to bring a lawsuit or apply for arbitration against the debtor during the term of suretyship, the surety shall no longer bear the suretyship liability.

    连带责任保证的债权人未在保证期间请求保证人承担保证责任的，保证人不再承担保证责任。

    If the creditor of a suretyship of joint and several liability fails to request the surety to bear the suretyship liability during the suretyship period, the surety shall no longer bear the suretyship liability.

    相关问题：如果担保人在担保期间转移资产怎么办？

    Related question: what if the guarantor transfers assets during the guarantee period?

    担保人在担保期间为逃避履行担保责任而转让财产的，债权人可以行使撤销权，请求法院撤销财产转让。

    If the guarantor transfers property during the guarantee period in order to avoid performing the guarantee responsibility, the creditor may exercise the cancellation right and request the court to cancel the property transfer.