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.