I am a co-signer for a debt. Do I need to include the debt?

You can choose to have the debt included in your repayment plan, or if the cosigner desires to pay for the debt, you can specify that the Cosigner will pay for the debt directly. While you are in Chapter 13, the co-debtor is protected against collection efforts. Keep in mind that your Discharge only applies to your liability, not the Cosigner’s.