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Hi, I had filed for Chapter 7, and all my debts were discharged a month or two ago.

Today, I received a letter from Bass & Associates regarding ECAST FOB HSBC BANK NEVADA, NA for Best Buy Co., Inc. and my account number. (Which the account has been closed since I had filed).

They wrote:
"We have been informed that your case has been discharged. Please be advised that our client is secured by a purchase money security interest in consumer goods. If you intend to voluntarily surrender the collateral please provide the information requested below: Name of contact person for making arrangements for return of collateral: And daytime phone number for contact person:

Sincerely, Jessica Giammarino
Admin. Assistant
Surrender Dept."

The account in question was opened in Jan/Feb of 2007. Went into collections a month prior to my filing. I have no idea what collateral they are talking about, unless they are talking about the items purchased on credit. (Which the majority of those I don't even have as they were gifts for others before I fell on hard times).

I am trying to get into contact with my lawyer, but as it's the weekend I probably won't hear from him until Monday.

If someone can tell me what their experience with them is, I'd be much appreciated. I've been looking at other posts, but I've not found one yet that has to do with a company. For the most part it seems to deal with pay day lenders.

This letter was sent from their Tuscon, AZ location.

Thank you in advance for any help!

Posted: Fri Aug 22, 2008 6:46 pm Subject:

I'm thinking if they had an issue they should have spoke up at your creditor meeting. I would not worry to much about it, but do of course check with your lawyer on Monday, but I don't think they have any legal right once the debt is discharged.

Posted: Fri Aug 22, 2008 6:58 pm Subject:

Hi! Take a look at this thread. I think it has some answers that might apply in your situation:

http://www.debtconsolidationcare.com/collection-agencies/bass-associat e.html

Since we recently filed Chapter 7, I'm interested to know what your attorney has to say when you get in touch with him. Let us know!

Posted: Fri Aug 22, 2008 7:46 pm Subject:

Interesting Alias, I never knew that, but I agree with the link you posted very unlikley a retail credit card would really come after the merchandise, besides what if you don't have it anymore??