Your answer is more complete than most of the answers I have received. I would like to clarify your following statement: If the debt is not secured (ex-a car or house loan), and is merely unsecured, such as a credit card, then that company may only attempt collection if the other person's name is XXXXX XXXXX the card, and if they attempt collection within a certain time frame. State time limits vary, but it is generally permissible for a lender or creditor to sue the other person within 4 to 6 years to recover the debt, depending on the state.
For clarification: assuming the statute of limitations has not expired, a creditor may attempt collection from a co-maker who has not filed Chapter 7 bankruptcy, while the filer's Chapter 7 bankruptcy case is still "open". (non-community property state). And this is because there is no stay pending.
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