If getting separated or divorced while in a Chapter 13 case, you’ll likely each need a new lawyer for independent advice about what to do.
If you can’t or won’t pay a co-signed debt, or pay a co-signer, you need to protect yourself from that debt and from your co-signer.
You only have to pass the means test if you have “primarily consumer debts.” If you have more business debts, skip the means test.
For a debt to be secured, the creditor has to go through the right legal steps. Otherwise you don’t have to pay the debt.
Chapter 7 doesn’t stop a co-signed creditor from chasing your co-signer. Chapter 13 does. Now and forever.
If you and someone else jointly owe a debt, bankruptcy can protect you against the debt and against your co-signer. Or if you want, bankruptcy can protect your co-signer.