In most cases. yes.
If you have filed bankruptcy because you cannot afford to pay your debts, a lender will not loan you money to purchase a house and it just doesn't make sense. You cannot continue to acquire assets while your assets are frozen and in the possession of the trustee in bankruptcy in a bankruptcy proceeding.
A Co-signer is always responsible for the item unless the primary borrower refinances and removes the co-signer. Unfortunately if the primary borrower filed bankrupcy it doesn't seem likely they will be able to refinance. Yes. Cosigner means that if for ANY reason the main borrower cannot pay, cosigner will be responsible to pay.
It depends on how the agreement is worded, but usually - NO. The co-signor is NOT the co-owner but is only someone whom the lender has qualified to act as a financial "back up" to the purchaser. This is not to say that the co-signor cannot become the car's owner but would have to go through the qualification process that would qualify them.
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