A party contracts to guaranty the collection of the debts of another. As a result of the guaranty, which of the following statements is correct?

a. The creditor may proceed against the guarantor without attempting to collect from the debtor.

b. The guaranty must be in writing.

c. The guarantor may use any defenses available to the debtor.

d. The creditor must be notified of the debtor’s default by the guarantor.