With no explanation, chose the best option from "A", "B", "C" or "D". naked assertion[s] devoid of further factual enhancement.” Iqbal, 556 U.S. at 678, 129 S.Ct. 1937 (alteration in original) (citations and internal quotation marked omitted). II. The Automatic Stay Under § 362(a), the filing of a bankruptcy petition “operates as a stay, applicable to all entities, of ... the commencement or continuation ... of a judicial, administrative, or other action or proceeding against the debtor that was ... commenced before the commencement of the ease....” 11 U.S.C. § 362 (emphasis added). In other words, the automatic stay only applies when the action is “against” the debtor. Koolik v. Markowitz, 40 F.3d 567, 568 (2d Cir.1994). “The § 362 stay provision ‘does not address actions brought by the debtor which would inure to 11008, at *1 (D.N.M. June 8, 2005) (<HOLDING>); Dean Witter, 20 F.Supp.2d at 499 (holding

A: holding debtor could cure after the debtor had previously made payments to the bank
B: holding debtor could include property because the bank accepted payments directly from the debtor and had previously allowed the debtor to cure default
C: holding that a creditors security was preserved notwithstanding the bankruptcy of the debtor
D: holding that an answer that asserts a counterclaim against a plaintiff who then becomes a bankruptcy debtor is an action or proceeding against the debtor within the meaning of  362a1 notwithstanding the fact that the debtor initiated the lawsuit
D.