If I get a discharge of a debt that my dad co-signed on, is the debt wiped out for him too?
If you file a Chapter 7 bankruptcy and decide not to reaffirm and repay a loan, the lender can then go after the co-signer for payment. In a Chapter 13 bankruptcy, however, the co-signer is protected and the lender cannot go after the co-signer. There is, however, a provision which allows a creditor to file a request with the Bankruptcy Court in a Chapter 13 bankruptcy asking the Court to allow the creditor to pursue the co-signer for payment if the creditor's property is not being adequately protected.
In the event that you reaffirm the loan and agree to repay it, the lender will most likely refrain from seeking payment from the co-signer.
