N.Y. Debtor & Creditor Law § 84

§ 84. Effect of discharge as to foreign contracts or creditors. In\neither of the following cases, such a discharge does not affect a debt\nor liability, founded upon a contract, unless it was owing, when the\npetition was presented, to a resident of the state; or the creditor has\nexecuted a consent to the discharge; or has appeared in the proceedings;\nor has received a dividend from the trustee:\n 1. Where the contract was made with a person, not a resident of the\nstate.\n 2. Where it was made and to be performed without the state.\n 3. Where the creditor was not, at the time of the discharge, a\nresident of the state.\n