1) full commiserations, sympathy and emapthy for the guy...
2) unless your life depends on it, do not get into debt...once you do, be prepared for all consequences...
3) MM: Only islamic banks can be expected to share a loss on invesment. If he has debts with a commercial bank, he signed himself over in a contract... the bank is a business and not a charity fund...
4) thumbs up for all the fellow countrymen who have become guarantors for him...people love to hate keralites but they are to be admired for the way they unite and help their community...