Does Not Impose a “Direct Pay” Requirement Section 523(a)(15), by its terms, encompasses “any debt” that is not in the nature of alimony or child support which is incurred in the course of a divorce or separation. See In re Gamble, 143 F.3d 223, 225 (5th Cir.1998) (construing § 523(a)(15) to include third party debts and stating that the statute should be given “the full reach implicated by its plain language”); Henson, 197 B.R. at 302-03 (stating there is no “direct pay” requirement imposed by § 523(a)(15)). For a debt to qualify for treatment under § 523(a)(15), the critical issues are the nature of the debt, not the payee, and whether under state law the debt was incurred in the course of a divorce or separation. Gibson, 219 B.R. at 203. See, e.g., Crosswhite, 148 F.3d at 882 (<HOLDING>); McCafferty v. McCafferty (In re McCafferty),
holding nondischargeable a debtors obligation to his former spouse under a divorce decree to assume liability for two joint debts to a third party and stating that  523a15 is intended to cover divorcerelated debts such as those in property settlement agreements holding nondischargeable a husbands debt to his wife where the husband had agreed to assume the debt under the terms of the couples divorce agreement and stating that  523a15 is intended to cover divorcerelated debts such as those in property settlement agreements holding that the code excepts from discharge debts resulting from agreements by the debtor to hold the debtors spouse harmless on joint debts to the extent those debts are in the nature of alimony maintenance or support recognizing the right of a former spouse to seek contribution for payment of community debts not allocated by the divorce decree holding that debtors liability for payment of the balance owing on three joint credit card accounts assumed by the debtor under a marital dissolution agreement with his former spouse were nondischargeable under  523a15