You have finally found the perfect storefront in Silver Lake for your boutique, or you are ready to secure financing to expand your Culver City restaurant. Months of searching, planning, and negotiating have led to this moment. Then, just as you are about to move forward, the landlord or lender slides a document across the table and asks for your personal guarantee. The pressure is immediate and intense. You are told this is “standard,” that everyone signs one, and…
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