If Bass & Associates, P.C. is showing up on your credit report, it usually means an unpaid debt has been sent to collections. Here’s what you need to know and how to address it.
Who Is Bass & Associates, P.C.?
Bass & Associates is a debt collection agency based in Tucson, Arizona. They work with creditors to recover unpaid debts, including student loans and probate-related accounts. If your debt has been assigned to Bass & Associates, it may appear as a collection account on your credit report.
Who Does Bass & Associates Collect For?
Bass & Associates focuses on two main types of debt collection:
- Defaulted student loans: They often collect federal student loan debt on behalf of the U.S. Department of Education.
- Probate debt: They handle accounts tied to the estates of deceased individuals, working to settle outstanding debts before assets are distributed.
If you have an unpaid student loan or unresolved estate-related debt, Bass & Associates may be listed on your credit report.
Is Bass & Associates a Scam?
Bass & Associates, P.C. is a legitimate debt collection company. They are authorized to collect debts for their clients, including federal student loans. However, you should always verify the details of the debt before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Bass & Associates From Your Credit Report
Collection accounts can damage your credit score and remain on your report for up to seven years. You may be able to remove them by taking the following steps:
- Dispute inaccurate information: If the debt is incorrect, dispute it with the credit bureaus.
- Request debt validation: You can ask Bass & Associates to prove the debt belongs to you and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get the agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Bass & Associates?
Before contacting them or making payments, confirm the debt is accurate and within the statute of limitations. For federal student loans, it’s important to know that wage garnishment can happen without a court order if you default.
Many people prefer to work with credit repair professionals to avoid mistakes when handling collection accounts.
Can Bass & Associates Sue or Garnish Wages?
Debt collectors like Bass & Associates can sue to recover unpaid debts. If they win a court judgment, they may be able to garnish wages or take other legal action, depending on state laws.
For federal student loans, the U.S. Department of Education and its collectors, including Bass & Associates, can garnish wages without going to court after a default.
Bass & Associates Contact Information
Address:
Bass & Associates, P.C.
3936 E. Ft Lowell Road
Tucson, AZ 85712
Phone: (888) 283-4624 or (520) 577-1544
Complaints About Bass & Associates
Like many collection agencies, Bass & Associates has complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common issues include:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use offensive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Bass & Associates Collections
Dealing with collection accounts can feel overwhelming, but help is available. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
