Stay of action against codebtor (a) Collection of debt Except as provided in subsections (b) and (c) of this section, after the entry of the order for relief under this chapter, a creditor may not act or commence or continue any civil action to collect all or any part of a consumer debt of the debtor from any individual that is liable on the consumer debt with the debtor or that secured the consumer debt, unless— (1) the individual became liable on, or secured, the consumer debt in the ordinary course of business of the individual