Who is Bass & Associates?
Bass & Associates, P.C. is a debt collection agency headquartered in Tucson, Arizona. Their role is to manage and recover debts on behalf of creditors who have been unable to collect the amount due from borrowers.
You may encounter Bass & Associates listed on your credit report as a collections account, especially if you have an unpaid bill or defaulted student loans.
Who does Bass & Associates collect for?
Bass & Associates focuses particularly on two areas of debt collection: student loan collections and probate debt. In the case of defaulted student loans, they often operate on behalf of the US Department of Education. This means if you’ve defaulted on your student loan debt, it’s likely that Bass & Associates is the agency trying to collect the amount due from you.
Their specialization in probate debt collection involves handling debts of a deceased person’s estate, ensuring that all debts are properly addressed and paid out of the estate’s assets before distribution to heirs or beneficiaries.
Is Bass & Associates legit or a scam?
Bass & Associates is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Bass & Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Bass & Associates, P.C. Contact Information
Address:
Bass & Associates, P.C.
3936 E. Ft Lowell Rd
Tucson, AZ 85712
Phone number: (888) 283-4624 or (520) 577-1544
Should I contact or pay Bass & Associates?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bass and Associates on behalf of their clients.
Will Bass and Associates sue me or garnish my wages?
Whether Bass & Associates, or any debt collection agency, will sue you or garnish your wages depends on several factors, including the specifics of your debt and the laws in your state.
In general, debt collection agencies can sue borrowers for unpaid debts. If a collection agency sues you and wins a judgment, it may have the ability to garnish your wages or take other steps to collect the debt, depending on your state’s laws.
However, when it comes to student loans, the rules are somewhat different. For federal student loans, the U.S. Department of Education and their loan servicers, like Bass & Associates, can garnish wages without a court order if a borrower defaults on a loan.
Bass & Associates, P.C. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Bass & Associates, P.C.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Bass and Associates to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Bass & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Bass & Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Bass & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Bass & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Bass & Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
