If I file as married individual in California under either chapter 7 or 13 does that put a stay on any future unsecured credit card company default judgements for both myself and/or my spouse as opposed to if I haven't filed then those default judgements could still be levied against either myself or my spouse as I understand it? also if I file as individual would my spouses credit cards still be subject to potential default garnishment claims or after filing does the bankruptcy stay apply for both of us even though I'm filing as individual? Thanks.
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