Can Co-Signers Be Protected?  

If you file a Chapter 13, you may include a debt on which you have a co-signer.  The co-signer is protected if the Chapter 13 Plan repays the co-signed debt. As long as you keep up your Chapter 13 Plan payments, the creditors cannot normally do anything to collect the debt from your co-signer.

The purpose of this protection is to allow YOU a chance to repay the debt without worrying about the creditor contacting your co-signer for payment or taking any action, legal or otherwise, to collect from your co-signer. The co-debtor stay only applies in a Chapter 13 Plan. If you file a complete Bankruptcy under Chapter 7, the creditor CAN still collect from any co-signer.

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