; and (2) if the debtor has elected to become owner of the property under the rental-purchase agreement, future rent and other payments due under the rental-purchase agreement. (e) Termination Nothing in this section shall be construed to prohibit the debtor from terminating a rental-purchase agreement. (f) Post-Discharge exercise of lessor-Seller's rights prohibited Any attempt to exercise the rights of a lessor-seller under a rental-purchase agreement or applicable nonbankruptcy law after the issuance of a discharge under section 1028 shall be deemed to be a violation of section 524(a). 1008. Obtaining credit (a) Definition of credit In this section, the term credit has the meaning given the term in section 103 of the Truth in Lending Act ( 15 U.S.C. 1602 ). (b) Obtaining credit (1) In general The debtor in a case under this chapter may not obtain credit outside the ordinary course of the affairs of the debtor without prior authorization by the court. (2) Court approval After notice and a hearing, the court shall may authorize the debtor to obtain credit under paragraph (1) or incur debt only if it is in the best interests of the debtor. (3) Voiding of other post-petition credit incurred Any credit obtained or debt incurred by a debtor not in accordance with this subsection is void. (4) Credit rate limit In no event may the court authorize the debtor to obtain credit with an annual percentage rate that exceeds the annual percentage rate described in section 987(b) of title 10. (5) Compliance with nonbankruptcy law Credit obtained by a debtor pursuant to this section shall comply with applicable nonbankruptcy law. (c) Application of section This section shall apply to credit obtained by a debtor until the date on which the case is closed under section 350. 1009. 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