One situation where the automatic stay specifically applies to non bankruptcy co-debtors is in Chapter 13. Chapter 13 bankruptcy allows individuals with regular income the opportunity for "adjustment of debts" through a payment plan funded out of future income. The Chapter 13 "co-debtor stay" provision automatically prohibits any act to collect any consumer debts from an individual co-debtor or guarantor. Congress’ intention in formulating the Chapter 13 bankruptcy co-debtor stay was to protect the principal debtor by insulating him or her from the indirect pressure exerted by creditors on friends, relatives, and fellow employees of the principal debtor who have obligated themselves on debts incurred by that individual. The stay does not apply in cases filed under Chapter 7 of the bankruptcy code.

The bankruptcy attorneys of the Pacific Bankruptcy Center, serve clients in Southern California, including San Diego County, San Bernardino County, and Riverside County; and the cities of San Diego, Riverside, San Bernardino, Chula Vista, National City, El Cajon, La Mesa, Mission Bay, Hillcrest, Ramona, Julian, Escondido, San Marcos, Vista, Oceanside, Encinitas, Solana Beach, Del Mar, Rancho Bernardo, Rancho Santa Fe, La Jolla, Pacific Beach, Ocean Beach, Little Italy, Old Town, Mira Mesa, North Park, Temecula, and Carlsbad.

File chapter 7 and Chapter 13 in New York.

The following keywords are irrelevent: msnlang1, msncommenus