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Usually, when you file bankruptcy, an automatic stay for co-debtors goes into effect under 11 USC 1301 (C). The automatic stay keeps creditors from collecting from the debtor or their property.
As a guarantor payer, you are responsible for obligations due under a loan as the main debtor. As a co-debtor, you are responsible to the credit institution for all due obligations and the lien debtor is responsible to the credit institution with all voluntarily liened assets.
debtor is someone who took out a loan with you. In doing so, they agreed to be equally responsible for repaying the loan or debt. If you have debts with codebtors and you don't reaffirm the debt in a Chapter 7 case, your codebtor will be solely responsible for repaying the debt if you get a bankruptcy discharge.
A codebtor is someone who must pay off a debt owed by the debtor (the person who files for bankruptcy) if the debtor fails to do so.
debtor is a person or entity who assumes joint liability for a debt alongside the principal debtor. The codebtor is responsible for repaying the debt if the principal defaults or is unable to fulfill their obligations.