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Youths tend to join gangs
Guaranty
Guaranty is a legal commitment by a guarantor to pay a debt or perform an obligation if the original debtor fails to do so.
Cosigner
An individual who agrees to be equally responsible for the repayment of a loan if the primary borrower fails to pay.
Voluntary Agreement
A consensual arrangement between parties, often formalized through a contract, without coercion or duress.
Bankruptcy
A judicial process concerning an individual or business that is incapable of paying off its accumulated debts.
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