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Co-Debtor

Definition

A codebtor is someone who must pay off a debt owed by the debtor (the person who files for bankruptcy) if the debtor fails to do so.

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A Chapter 7 bankruptcy will not discharge a codebtor’s responsibility to pay the debt. The codebtor will remain liable and subject to collection efforts after the bankruptcy. By contrast, in most cases, a codebtor will not be responsible for paying the debt while the debtor pays into a three- to five-year repayment plan in a Chapter 13 bankruptcy.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can't access their basic rights when they can't afford to pay for help. Combining direct services and advocacy, we're fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.