In general, in a Chapter 13 Bankruptcy case, a person who has co-signed or guaranteed any of your consumer debts is protected by the Automatic Stay. If the co-signer or guarantor has given collateral as security for the loan, the creditor must request a hearing before the Bankruptcy Court before the creditor may proceed against the property. The stay only protects co-signers or guarantors for the amount of debt that your Chapter 13 plan proposes to pay to the creditor. If your plan does not pay the creditor in full, the creditor may ask the court for permission to collect from the co-signer or guarantor the balance of the debt that is not included in your plan.