How co-signers and guarantors differ
In many rentals a co-signer signs the lease itself and is jointly liable with the tenant for rent and damages. A guarantor may sign a separate guarantee agreement promising to pay only if the tenant defaults; the precise wording matters for how and when a landlord can collect. Know how liability is described in the lease and any separate guarantee form so you understand who a landlord may pursue for arrears.
- Co-signer: signs the lease and is equally responsible for rent and damages.
- Guarantor: typically signs a guarantee form that may limit when the guarantor must pay.
- Practical effect: either person can be named in collection or eviction actions depending on the wording.
What tenants should do before agreeing
Before accepting a request to co-sign or guarantee, get the exact wording in writing, ask how long the obligation lasts, and confirm whether the obligation ends if you move out or if the tenant cures arrears. Check the lease and guarantee for limits such as a dollar cap or end date, and ensure the document references the Residential Tenancies Act in the Northwest Territories [2] so you know your rights under local law.
- Ask for a copy of the guarantee or lease clause and any limits or expiry date in writing.
- Negotiate a specific time limit if you do not want indefinite liability.
- Keep records of all payments, receipts, and communications about the agreement.
- Understand how unpaid rent, deposits, and damage claims may affect both tenant and guarantor.
When a co-signer or guarantor is pursued
If a landlord seeks payment from a co-signer or guarantor, request written proof of the tenant's arrears, a copy of the signed lease or guarantee, and any invoices or damage estimates. You can ask the landlord for this information and, if necessary, dispute the claim with the residential tenancies office or tribunal named by the Government of the Northwest Territories [1]. Official forms are used to file applications and responses; check the GNWT forms page for the correct document and deadline [3]. If you need another rental, consider using Find rental homes across Canada on Houseme to search listings safely before signing anything.
FAQ
- Can a co-signer be pursued for unpaid rent?
- Yes. A co-signer who signs the lease shares legal responsibility and can be pursued for unpaid rent, damages, or possession claims under the tenancy law specified for the Northwest Territories.
- Can a guarantor limit their liability?
- Sometimes. A guarantor can agree to limited liability if the guarantee document includes a clear cap, time limit, or conditions under which the guarantor must pay.
- What official forms should I look for if a dispute starts?
- Look for the residential tenancy application and response forms used by the GNWT residential tenancies office; these forms explain how to start or defend an application and list filing deadlines.
How-To
- Read the lease and any guarantee form carefully and note exact wording about obligations.
- Negotiate and document limits or end dates for the co-signer or guarantor duty.
- Keep copies of all signed documents, receipts, and messages in case you need evidence later.
- If pursued, request proof of arrears in writing and file a response or application with the tribunal within the stated deadline.
- Seek free legal advice, community legal clinics, or tenant services for help preparing your case.
Help and Support / Resources
- Residential Tenancies - Government of the Northwest Territories
- Residential Tenancies Act - Legislative Assembly of the Northwest Territories
- Residential Tenancies Forms - Government of the Northwest Territories
