Are collection agencies co-debtors? Nic Ruiz December 14, 2021 20:20 Updated No, collection agencies are not co-debtors. A co-debtor is someone other than yourself that is obligated to pay the debt. Related articles What do I list as the date a debt was incurred? Can I leave property out of my bankruptcy? How will bankruptcy affect stuff I purchased under a “buy now pay later” arrangement? Updating the Intention for Your Car How to list a 401k loan on your bankruptcy forms Comments 0 comments Please sign in to leave a comment.