• Report: #855452

Complaint Review: Meta Bank Indgo

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  • Submitted: Sat, March 17, 2012
  • Updated: Sun, March 18, 2012

  • Reported By: CHRISTOPHER9362 — Menominee United States of America
Meta Bank Indgo
8405 SW Nimbus Ave Ste A Internet Beavertton, Oregon United States of America

Meta Bank Indgo Filed bankruptcy, and they still want to collect Internet Beavertton, Oregon

*Consumer Comment: Umm...

*Consumer Comment: Dismissed does not mean the same thing as discharged in BK.

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I filed chapter 7 bankruptcy, it was dissmissed on June 30, 2011. All "Parties Envloved " were sent notice to appear, Meta Bank, like all the others, chose not ot appeair. A judjement was entered in my favor dissmissing " ALL " creditors, and now Meta bakk wants to still try and collect through my wife, But the state of Michigan bankruptcy laws hase an individual filing clause, so she is exempt sence I filed. It was clearly listed in the schedual.

This report was posted on Ripoff Report on 03/17/2012 08:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Meta-Bank-Indgo/Internet-Beavertton-Oregon-97008/Meta-Bank-Indgo-Filed-bankruptcy-and-they-still-want-to-collect-Internet-Beavertton-Ore-855452. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 2Consumer 0Employee/Owner
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#1 Consumer Comment

Umm...

AUTHOR: Robert - (U.S.A.)

Dismissed is a bad thing for you..that means that your BK was NOT approved and any collection efforts can begin again.  Now, if you mean it was "discharged" then you are right you no longer are responsible for any debt that was included.

If the debt was a joint account, and you filed BK it is possible that your wife is still responsible.  So I would suggest you talk to your lawyer.  If they are not legally allowed to go after your wife you can go after them. 

But with the way you wrote this report, under NO circumstances should you try to do any of this on your own.
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#2 Consumer Comment

Dismissed does not mean the same thing as discharged in BK.

AUTHOR: MovingForward - (USA)

It sounds like you are confused about your bankruptcy.

If you were dismissed from the bankruptcy, it means your bankruptcy failed and you are responsible for the debt.

If you were discharged from the bankruptcy, that means your petition was accepted by the court and you are properly released from any liability for debt repayment as of the filing date.

Michigan is not a community property state so when you filed individually, you discharged the liability for repayment of your debt only as it pertains to you individually. Your BK does not discharge the liability against anyone else that may be a co-borrower on those same debts. Your spouse is responsible for repayment of the debt that she has individually or debt that she co-signed with you.

Go back to your BK attorney and get clarification as to which debt is completely discharged and which debt has been moved over to your wife.
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