第三人和债权人约定，当债务人不履行债务时，保证人按照约定履行债务或者承担责任，这里的第三人即担保人，包括具有代为清偿债务能力的法人、其他组织或者公民。

担保人的权利包括：

1、主张主债务人对于债权人所有的抗辩或其他类似的权利。

2、保证人还享有追偿权。即保证人依法履行了保证的义务之后，可以依法向债务人追偿。

3、基于保证人地位特有的抗辩权，即先诉抗辩权，一般保证的保证人享有此项权利。

相关双语法规：

《民法典》第三百八十六条：

担保物权人在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，依法享有就担保财产优先受偿的权利，但是法律另有规定的除外。

Where a debtor fails to perform his obligations due, or any event upon which an security interest is to be enforced as agreed upon by the parties occurs, the person entitled to the security interest has priority to be paid from the collateral in accordance with law, unless otherwise provided by law.

《民法典》第六百八十六条：

保证的方式包括一般保证和连带责任保证。

Suretyship consists of general suretyship and suretyship with joint and several liability.

参考双语例句：

To enter into any guarantee, contract of indemnity or suretyship (excluding fire and marine insurance business) whether by personal covenant or by mortgage or charge on all or any part of the undertaking, property or assets of the Company (including its uncalled capital) and in particular (without prejudice to the generality of the foregoing with or without consideration to guarantee or give security as aforesaid for the payment of any principal moneys, premiums, interest and other moneys secured by or payable under any obligations or securities including particularly the obligations or securities of any company which is (within the meaning of Section 2 of the Companies Ordinance (Chapter 32)) in relation to the Company, a holding company or a subsidiary of such holding company, or of the Company or which is otherwise associated with the Company in business.

签订任何保证，弥偿或保证的合同（火险或船务保险除外），无论以个人契约或是以按揭或抵押所有或任何本公司的保证，物业及资產（保括未催缴的公司股本）及尤其是（在不损害前述条文的一般性的原则下，有或无代价下保证或抵押上述一切以作缴付任何本金，保险费，利息及其他因任何义务及保证应缴付的款项，尤其是有关（公司条例（第 32 章）第 2 条所指）本公司，控股公司或其附属公司，或与本公司业务上有联系的公司。

All payments to be made by the Cardmember, any guarantor, security provider or other person (collectively “the obligors“ and each “an obligor“) to Hang Seng under these Terms or under any documents relating to the Card service shall be made to Hang Seng as specified by Hang Seng without any set-off, counterclaim or condition and free and clear of all present and future taxes, deductions or withholdings of any nature whatsoever.

「会员」、任何保证人、担保提供者或任何其他人士（以下统称「各义务人」及每一名為「义务人」）在「本章则」或有关「信用卡」服务的任何文件下对「「生」作出的一切付款，应按「「生」所列明的向「「生」作出及不附带任何抵销权、反申索或条件，以及不附带现时或日后任何性质的税项、扣减或预扣。