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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.

Learn more about "Co-Debtor"

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.


Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

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.