A co-signer is always responsible for the debt to the same level
the borrower is.
If Joe Blow reaffirms and continues payments, John Doe will not
have to worry about anything.
If Joe Blow does not continue payments, or does not reaffirm,
John Doe is responsible.
Speak with an attorney about your specific situation. If you can
not find an attorney, contact your local Bar association and they
will refer you to one.