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In the Chapter 13, a co-signer does not have to file the case with you in order to protect your property or set up repayment terms. If the debt is being paid in full through the plan, the co-debtor is released from further obligation once the debt has been fully satisfied. If the debt is not paid in full through the terms of the plan, the creditors can collect the unpaid balance of the debt from the co-signer. In the case of a Chapter 7, if you plan on eliminating the debt (such as surrendering a vehicle), the creditor could still pursue collections from the co-debtor for the balance of the contract. The filing of a Chapter 7 will eliminate the debt of the person who is filing, not the debt of the co-signor (unless the person whom is co-signing is your spouse and has filed the case with you).
Greetings Julie! This is to let you know about our experience with Acclaim Legal Services regarding our Chapter 13 Bankruptcy case. Chris made the journey easy because of his prompt replies to our emails and phone calls. He always kept us abreast of what was going on and reassured us that we would…
Working with my Attorney was a very comfortable experience. I was scared going into the Chapter 7 bankruptcy process and didn’t know what to do. She walked me through the whole thing step by step. I would recommend her to anyone. Not only was I going through financial stress I also had a terminal…
We would like to say thank you to Acclaim Legal Services- especially to Cindy Millns and Christopher Jones for helping us with the Chapter 13 process.
We appreciate all that you have done for us – you were always there to answer any questions that we had and to get back to us very quickly.…
I wanted to let you know about your staff and the support they all showed my wife and myself.
From our first meeting with William in his office to Cindy answering all our questions and time spent on the phone many thanks to her, along with Chris looking after our case too.
Dealing…