Detailed Answer
(c) The surety may use his/her own defenses of
incapacity of the surety or bankruptcy of the surety to limit
his/her own liability. Although the surety may use most defenses
that the debtor has to limit his/her (surety’s) liability, the surety
may not use the personal defenses of the debtor. These include
the debtor’s bankruptcy and the debtor’s incapacity; therefore
answers (a), (b), and (d) are incorrect.