Can I file for chapter 7 bankruptcy with a co-debtor on a large consumer loan

Bankruptcy law permits you to file for relief on debts that you co-signed. Of course, your banrkuptcy will not discharge your father's obligation. You should talk to your father and explain your situation to him. Sometimes, we have found that Dad is in bad shape and both of you should file. We have actually had cases where the son has come in, and has never spoken to Dad, and after speaking to Dad, he comes in to file a related case because he is overloaded with debt.

This answer does not create an attorney client relation and is general opinion only. You should consult a local attorney about your particular situation.

Only spouses may file a joint bankruptcy. If you file individually and receive a discharge, your father is still liable. If both of you file (separately), then the debt can be discharged.