What are the roles of the debtor, the creditors, the bankruptcy clerk, the judge, the Chapter 7 and 13 trustees, and the U. S. Trustee?
The same way that you can’t START a bankruptcy case without “credit counseling,” you can’t FINISH without “debtor education.”
“Credit counseling” is not really counseling. It’s not difficult, but a necessity before you can file a bankruptcy case.
Bankruptcy can protect you from your co-signer. Or instead can protect your co-signer from the creditor.