Co-signers in a chapter 13 case will usually not be affected because the bankruptcy petitioner is offering to repay the debts through the chapter 13 repayment plan. However, to ensure that your co-signers are not affected, and that they do not find out about your bankruptcy, talk to your bankruptcy attorney about you options for legally forcing the creditors to leave co-signers alone. There may be legal options that will require creditors to cease any collection attempts for debts that are part of the chapter 13 repayment plan.