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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).
I would like to extend a special thank you to your firm, especially Cindy Millns and our attorney – they were both very helpful in this whole process very reassuring. I would recommend your firm to anyone that needs assistance!
I truly wish that Chris and Cindy had been our legal team from the beginning. We did not know what to expect, we were very uneducated about the chapter 13 process.
Our attorney of record prior would not return email, calls and when I made appointments was not available to help or answer questions.…
Over the past few years I have been working with Cindy Millns for my case. She has been so easy to work with and helpful, that I cannot express enough gratitude for her professionalism and courtesy during my troubling times. She took the time to answer phone calls and emails when I needed answers…
I am thankful to Acclaim Legal Services for their diligence and professionalism in completing my Chapter 7. I am very pleased with their unwavering commitment to me, the customer. From the very beginning, attorney Christopher Jones gave me confidence and assurances that my case would go well and quickly.…