Bass & Associates-Tucson, Az.

They are a collection agency that has no ties to the unprofessional one in Florida. Send them a debt validation letter certified return receipt mail.

So you do not think that it is a good idea to give them a call to find out what is that all about, right? Just send them a letter and let them explain in detail the debt.

Phone calls are not a good idea in my opinion unless it is legal to record in your home state.

Phone calls are never a good idea. They might suck your soul out.

A certified Letter of Validation is trackable and proves that they received it.

Usually you won't be able to get much done on the phone anyway. The collector is trained only to keep hitting on you for money and nothing else.

Phone calls are usually pointless, and they give you the 'run around', and pretend to not be able to work with you, and later, they will act as if the phone call never took place, which puts your word against theirs. So, as the other members stated, send a certified letter, which can not be disputed by the company in that they received it.

I will do that tomorrow morning. I want to know what this debt is all about. I want to know the fees added, etc.
Thanks to all of you.

Let us know what happens, and we will be here to help in anyway.

Phone calls to collectors...NO WAY. Its always better to deal with them in writing. And remember to save every document you receive from them or the copies of the letters you sent them.

Keep us posted. Take care
Nelly

Maybe you can answer this for me. I had a discharged bankruptsy in 2009. I have been receiving letters from Bass & Associates of Tucson, Arizona to surrender collateral to Best Buy, Inc.
I was under the understanding that once the Bankruptsy is discharged, you do not owe nor can the company come after you for the amunt that was discharged. I do understand that they are not asking for money, but for the return of the purchases...is this legal...and must I respond, or face a law suit?

your right.if this bottomfeeder had any issue they should have bought it up during either the 341 meeting,or the 30 day window after that.they have no right to collect,or make demands now.contact your BK attorney,or the trustee that oversaw your case.they will/should handle this.to summarize bass & assoc have no right to do this,and should be dealt with by either your attorney,or the trustee.btw you do not respond to them let the two parties i gave deal with them.

Hi, I have been reading so many of these as I two received a letter from Bass & Associates 21 days before the discharge. I called after the discharge and because I received a second letter the volunteer. They verified I had to merchandise and would call to pick up in 10 days. That was 3 months ago. They called once a week last month then sent me another letter. Same as the last letter to voluntarily surrender. It is too late to send a debt validation letter? If so, is there another letter I can send?

they still violated the BK rules as they said nothing at the 341 meeting,and didn't respond during the 30 day window.21 days before discharge?again they sit back wait,and then try to respond.contact the trustee that oversaw your case,or your attorney.bass is entitled to nothing.they should however be penalized for their illegal actions.

We too have been receiving calls from Bass & Assoc after our bankruptcy. They say to pay or surrender the equipment we purchased. I called our BK attorney and we were instructed that the equipment technically does not belong to us and that we do have to take care of this. I do have to say that the collection agency cut the price in less than half. Mr. moderator...are you saying that we don't have to do this.

No you do not. You tell them you no longer have the mdse. They can not come after you after the discharge for any money or mdse. Send them a certified letter that the mdse is gone and has been for some time. They had their chance at the meetings to ask for the mdse back and missed their chance. No clue why your attorney would tell you that, its incorrect. They have to ask for or make arrangements at the 341 meeting or BEFORE the discharge. Send them the letter CMRRR for your records

I find it strange that a BK lawyer would even suggest that they have to 'take care of this'. That was what the hearing was for!

Heh what if some CA decided they wanted the implants back from some woman who had a boob job....what, they going to come out the house to repossess those?

When individuals sign up for a credit card with a merchant such as Best Buy they sign a security agreement that states in the event they default on the terms of the credit card agreement or file for bankruptcy a lien is placed on the property (the merchandise) they purchased from the store. This gives the creditor the validity to recover the money that has not been paid for as a result of the default. Most credit card companies are serviced through a bank. Those banks have law firms that represent them when customers file for bankruptcy. The security agrreement gives them standing during the bankruptvcy and even after the bankruptcy. If the lien on the property is not satisfied during the bankruptcy, the companies have the authority to make attempts to satisfy the lien even after the bankruptcy. They are not violating any laws as liens have to be satisfied and are not discharged in the bankruptcy. There are three ways to satisfy the lien on the property while in bankruptcy; one is by a reaffirmation agreement, two is be a redemption, and three is by surrender the items. After discharge of a bankruptcy you can only redeem or surrender the property. A reaffirmation agreement allow for you to pay the amount owed in monthly payments. A redemption allows for a person to pay a one lump sum payment, usually at a reduced rate. Surrender of the items means your will have to give up the items purchased. If the lien is not satisfied then it stays on your credit report anywhere from seven years to indefinitely. In addition, all creditors should be listed on the bankruptcy petition. Some are listed on the petition as secured while others are listed as unsecured. These type of accounts with security agreements should be listed as secured creditors.

the only secured items besides cars,and houses have to have a certain value to them to be secured.i happen to know that BK lawyers do ask what if any items of certain value were purchased within the last year.so please don't come on here and act like everything purchased is takeable and can be forced to be returned because you are wrong.also don't act like the creditor has carte blanche here.if they don't showq up at the 341 meeting and even miss the small window after that.they lose their right to the items in question.let me give thecreep above me an example:

someone charges the bottomline washer and dryer from sears for 300.00 each 3yrs ago.they make payments for two of those years before falling behind and defaulting.the balance on the card at the time of purchase was 1000.00.the balance on the card when it defaulted was 500.00.okay how the f##k do you not only prove your right to even ask for those,but to demand them.i swear you idiots are the reason this country took a dive greedy batiges like you.yes every JDB,cc idiot,bank president or executive is gonna roast and the world will be alot better off for it.

Wow I couldn't have said it better myself!

Oh...and the fact that these scum have to first PRODUCE this agreement and it can't violate any laws...that's why they technically can't force arbitration on you if you fight it....you can't sign away your right to a trail.

You have to distinguish whether or not this was dismissed or discharged. Dismissed means that your case was not completed and your creditors can still collect. Discharged means that the case was completed and the creditors are out of luck. If you discuss this with your attorney, they can contact the creditor but you will have to pay them. Usually you can just send them a letter stating that they were listed in your bankruptcy. With that, send a copy of the Petition, which is the first 3-4 pages which has all of the signatures and the discharge notice. You should also send a copy of the schedule that lists the creditor and/or the collection agency and the list of address where notices were sent. I doubt the trustee will help with this unless your attorney files to re-open the case.