§ 84. Effect of discharge as to foreign contracts or creditors. In
either of the following cases, such a discharge does not affect a debt
or liability, founded upon a contract, unless it was owing, when the
petition was presented, to a resident of the state; or the creditor has
executed a consent to the discharge; or has appeared in the proceedings;
or has received a dividend from the trustee:

1. Where the contract was made with a person, not a resident of the
state.

2. Where it was made and to be performed without the state.

3. Where the creditor was not, at the time of the discharge, a
resident of the state.