Bass and Associates calling for payday loan

I have noticed that. A guy named William had called me one day telling me I had 2 hours to pay. When he got silent for a moment, I could hear some lady in the background telling someone that it was check fraud.

I am just so appalled at all the stories on this forum about the illegal activities of debt collectors. There sure is a lot scum in the world. How do these people live with themselves? I know some people may have created their own problems with negligence but there are good people out here that are simply intimediated and taken advantage of. I think Bass and its ASSociates should be ashamed of their judge of character. Anyone can be brave on a telephone. This is why Bass associates 100% of all business is conducted by phone. It took all of you and your stories to give me the confidence and will power to defend myself instead of paying them and really getting screwed. THank you all and good luck.

This company is harrassing me to no end. they keep calling me at work. i live in NC, and took out a payday loan with these people. I believe they are responsible for unauthorized debits to my checking acount, so I closed my account. they deny everything of course, but won't leave me alone. I have been told that payday loans are illegal in NC, which I didn't know. How can I get these people to leave me alone? THey keep calling my supervisor as well. Any help would be appeciated.

You need to file a complaint with your state's AG office as well as FL's AG office. This company will eventually be shut down.

Steelers,
This can't happen soon enough for me! You would think that they would see that their garbage isn't working and would try something else, but I guess they have IQ's in the single digits. If anyone called me at work to tell me that they were going to send me to jail, I would say "Bring it on--I need a vacation anyway!!"

Has anyone been successful in getting a refund back from these creeps??

Just received an affidavit from the AG of Florida. I will keep all of you updated. So far I have file a complaint with the FTC online. Already received a response. Filed with the AG and just received the affidavit. I also sent a request for validation of the debt and a cease and desist of phone calls at work or home. Sent it certified. Everyone out there. If you have been treated unlawful and have tried everything to fulfill your debt, then cover you butt by doing all these steps. Don't just sit back and wait. Don't avoid your problems, grab em by the horns and take control of your life.

I also received mine and mailed it back last monday. Good luck...

You can not lose your cool. Once you lose your cool you have lost the fight. The problem is that no one wants to play the game. Life is a game,would you pay the debt if you were not scared? Get an understanding with the person and if you can't reason with them request to tt someone higher////if that does not wrk//hang up on them//push 0 and 0 will almost always send you to an operator///ask for a manager...and try to work out something/////////

Sometimes i have days when everyone i call curses me out, and it rubbs off. Not saying it is right, but it helps to try to understand human beings in general. This one girlcalled me every name but a child of god...she had me so mad i wanted to find her, so i broke the law and called her back. I had to ask her what i had done to her to make her so mad. She hung up on me/////she called me back later on that day and told me that her old man died, she has 4 kids and she says she was a wreck//i had been upset all day but when she said that goosebumps took over my whole body. Just a story to say that we collectors get beat up too.

I know you do, Beauty. It has to be a crummy job to be a collector. But think about it this way...Even if you're a sweet honest collector, that person may have had 100 calls from nasty ones. :)

"Sweet honest collector"???

Every single person that i help says thank you for being so nice about the situation. They pray for me, they talk to me about other problems and they really do open up to me///sometimes i talk for hours with people, not only about the debts but how to straighten up other areas of their lives.....
it is me again

Beauty, I would agree . I have had some collectors that are very nice. But like Jessi said there are 100 that are not. KYSIDE38

But will we as adults allow people to dictate our attitude, mood, and life.........
Look at something as small as road rage//this is the same thing.

1. Stop yelling.
2. I'm so glad you have had such lovely conversations with people. That doesn't excuse the fact that your industry exists to prey on vulnerable, ignorant people. You can't be a saint if you work for Satan.

lol...Sam Glover, I don't know where you came from, but you are a huge asset here. Thank you for the time you give us here.

I am not in collections by choice...let me tell you that///i hate calling people the same way i hate unwanted phone calls....but unlike most i am willing to do what it takes to have a pretty decent life, i have a backround that makes people cringe, and look at me like a monster, so i cant get a job in a field that i qualify for/ i do not work for satan...i work for me..and furthermore,i could be very helpful and i will not let you f#$# off my day with your ignorance/god has his people everywhere///even demons need a little bit of a good spirit around//i have not said on negative thing since joining sam glover/////you need to sit down i hate when someone rains on a positive parade

OK, I am trying to open the "mad as he** at you" thread, but it won't let me, and when I try to start a new thread to ask why I can't open it, I get this "Debug" message, what is going on?

I can't open the mad as h**l thread either, and I'm simply slobbering with curiosity over it!!

I think the "mad as h***" is a link that you have to click on to the right of the page where it says ranking charts and then go from there.

I tried, and I still got nothing!!

No, I tried that. I didn't see anything about this thread. But I'll try again. I can't seem to start a thread, it says "Debug" but I can post in other threads.

Tried that Brownsugar, still won't open up that thread.

what on earth is going on with this thread? Posts aren't showing up...

I don't know what's going on then. I can't get it either. I click on ranking charts, but from there it just takes me to another page, but nothing with that on it.

Beauty!! How come your posts don't show up, dude?

Beauty, if you are mad let us hear it! Are you perhaps putting some "curse" words in the post and that is why they aren't showing up?

If you are referring to the posts to Bass & Associates, then I am sure there are curse words in it...

Beauty, Who are you mad at? How come we cant read it? KYSIDE38

I am sorry

My apologies to everyone about the technical problems in some pages. I will ask my programmers to fix it ASAP.

Regards
Mike

Thanks Mike. We are REALLY curious about that post!

Thank you!!

Damn, I want to read that post, but it won't open.

I know it, I'm still going nuts over it..

Hey Mike, we are all chomping at the bit on the thread. HELP!! The suspense is getting to us.

I CAME HERE TO HELP///KINDA LIKE A CIA OR A SPY///I AM A COLLECTOR AND I KNOW A LOT MORE THAN I LET ON TOO/ ONLY I WANT TO USE WHAT I KNOW TO HELP AND NOT HURT AND THIS STUPID LAWYER WITH HIS STUPID COMMENTS PISSED ME OFF///SAYING HOW CAN I BE A SAINT WHEN I WORK FOR SATAN///GODS PEOPLE ARE EVERYWHERE AND I DON'T THINK I BELONG IN THIS COMMUNITY AFTER YESTERDAY

Beauty, Please stick around. You cant take offense at what people say. If you did I sure would have never stayed on here. Guest has it in for me. If I can help just one person my time on here is worthwhile. It was a bad comment I agree but just think how many people you can help here. KYSIDE38 :D

Kyside is right. Have you seen the posts Guests directs towards a few of us? Don't let it get to you.

YOU KNOW///I DID NOT CHOSE TO BE A COLLECTOR, BUT IN 1999, I WAS A TEENAGER, SENTENCED TO A LONG DRAMATIC PRISON TERM AND NOW I HAVE A STUPID RECORD//IT IS HARD ENOUGH TRYING TO FIND A JOB THAT WILL PAY BILLS, AND I REFUSE TO WORK AT MCDONALDS....THE NEXT BEST THING IS COLLECTIONS AND YEAH A LOT OF COLLECTORS ARE COCKY, ARROGANT, RUDE AND NOT UNDERSTANDING. BUT IF THE WORLD WAS NOT SO MESSED UP THERE WOULD NOT BE SO MANY collection agencies......MANY PEOPLE IN COLLECTIONS EITHER HAVE SOME SORT OF CRIMINAL RECORD AND CAN NOT FIND A DECENT JOB, HAVE LOW SELF ESTEEM, AND OR JUST CANT DO ANYTHING ELSE////YOU ALL HAVE SO MANY PROBLEMS WITH THE AGENCIES BECAUSE THIS IS THE ONLY WAY THAT SOME PEOPLE CAN LIVE//IT IS LIKE A DRUG DEALER OFF THE STREETS ALL HE KNOWS IS TO HUSTLE AND WHEN THAT IS YOU BREAD AND BUTTER YOU TAKE IT SERIOUSLY....IF YOU DON'T COLLECT YOU DON'T EAT SO SOME TACTICS ARE OUT OF DESPERATION (IF YOU KNEW YOUR PAYCHECK WOULD BE 300.00 IF YOU COLLECT A LITTLE, OR 2000.00 IF YOU COLLECT A LOT WHAT WOULD YOU DO//)NOT SAYING IT IS RIGHT BUT YOU HAVE TO LOOK AT A LOT OF DIFFERENT THINGS

I would like to point out that I did not direct any comment directly at Beauty except that I asked her to stop typing in all caps. Seriously, who can read that garbage?

She works for an industry that thrives by abusing consumers. Maybe she is a good person, but she chooses to work for a horrible industry.

I know that desperation drives abusive collection tactics, but that is no excuse, that is merely an explanation. Abuse is abuse, no matter the reason. If there were no collectors, there would be no industry, and wouldnt that be a lovely thing for consumers?

I understand that, BUT, threatening people with jail and arrest is illegal, and that collector can be charged with extortion and sent to prison. And that has happened before. (I'm not saying you are the one who is threatening, but they do that) And I'm sorry, but there is no excuse for using illegal tactics, the debtor isn't breaking any laws by being behind in their bills.

Glover - I'd like to respond to your comments about the collection industry and how the non-existence thereof would be a lovely thing for consumers. Yes, it would be lovely, because it would mean that all consumers paid their bills. I am in the collection industry, which is to say that I'm an attorney that files suits against debtors. I am neither a saint nor satan; howevever, I do feel that creditors deserve to be repaid what they have lent. Further, consumers who have purchased goods on credit do not deserve to be let off scott-free when they have defaulted the terms of the contract. That would be unfair not only to the creditor, but to other consumers (myself included) who do pay their bills, and live responsibly and well within their means. I make a decent living, as does my wife, but I live in an average home and drive a 1999 vehicle. I do not use credit cards or credit of any kind, except for my home mortgage (which will be paid off in just a few years). Do I take satisfaction in suing debtors? Not especially, yet I know that they obviously have not made sound financial decisions or they wouldn't be where they are. Most likely, they accepted credit they could not afford. They wanted a new car or a fancy big-screen TV and they did not give a thought to their income level or it's future stability. Perhaps their intelligence level or educational level did not permit them to understand the contractual terms - does the creditor have a duty to deny credit? Perhaps they became sick or disabled or their spouse died (and they had not secured adequate health or life insurance). Whatever the circumstance, it all comes back to: the consumer borrowed money; the creditor deserves to be repaid; and the consumer does not deserve to keep whatever goods he/she procured and simply walk away, leaving the creditor (and other responsbile consumers) holding the bag.

To clarify, Ken, I don't think consumers should be let off the hook. I just think that as it currently stands--with the ridiculous incentives and motivations--the collection industry is a vile system.

The legal system is a better option, but as it stands, it seems like the legal system is often more of a shopping cart for debt collectors. I see far too many clients who are "served" at an address they lived at years ago (when their current one is a mouse-click away), or by leaving a Summons and Complaint on their porch. Or in their bushes.

The system is terrible, but too profitable for debt collectors to be changed. Maybe you don't drive a fancy car, but a lot of debt collectors do, and that ain't right.

IT SHOULD BE A CRIME TO TURN A 21 YEAR OLD FEMALE DOWN FOR A JOB WHEN SHE IS QUALIFIED, AND EDUCATED, BECAUSE OF A CRIMINAL RECORD. CAN I SUE MCDONALDS OR THE CLEANING COMPANY FOR ASKING ME IF I AM CRAZY FOR APPLYING FOR A JOB WITH THEM? ALL I CAN DO IS LIVE AND LIKE I SAID THERE ARE THOUSANDS OF PEOPLE JUST LIKE ME WHO CANT DO ANYTHING ELSE BECAUSE OF CIRCUMSTANCE. IT IS NOT ALWAYS A CHOICE...AND I DO NOT HARASS PEOPLE, OUT OF DESPARATION OR MALICE. I WAS JUST TELLING YOU ALL THE THINGS I SEE IN THIS BUS/AND MY ONLY EXPLANATION FOR WHY SOME COLLECTORS ACT THE WAY THEY DO/

I SHOULD I AM A HUMAN BEING JUST LIKE YOU. I AM A LAW ABIDING CITIZEN THAT DESERVES THE BEST AND MCDONALDS WILL NOT DO IT/////////

Beauty,

You feel you deserve the best, but violating the fdcpa can only lead to more problems. I understand completely what you are saying, but to get the big bucks at the end of the month is not worth having a lawsuit filed against your company for the violations the collectors commit.

THAT WAS THE WHOLE REASON I JOINED THE FORUM....

Mr. Glover,

I think you need to come off of your high horse. You seem to be an arrogant individual who comes off as a predator yourself. Do you not think you are a tad hypocritical with your posting here. I am reading all this getting a very good laugh. It looks like you are sitting her look for an oppurtunity to set up your next case. I am sure you make your living on enhancing or fabricating stories so that you are able to file frivolus lawsuits. Then should you settle, or be awarded judgement, you keep a nice healthy chunk for yourself. So, you just keep on criticizing others, because evidently you do not have a single mirror in your house. :)

I'm not sure whether to dignify that post with a response, but I will, anyway.

You can find out more about me on my website, including the fact that I volunteer my time both for low-income clients and for non-legal causes.

It is true I take many cases on contingency. But I never charge my clients a dime unless I win, even though that often means I have invested thousands of dollars of my own money and time in the case. I am not ashamed to charge for the work I do. All I have to sell is my time. Very few of my clients could afford to pay me anything, and I refuse to be put in a position where I have to collect from my own clients (which I never do).

It would be nice if someone from this site called me with a case (as at least one person has), but I have all the work I can handle as it is, so I am not here to get work. You will notice that I constantly refer people to naca.net to find a lawyer, not to my own site.

I am here because as a lawyer, I can help only one consumer at a time. By posting on this form and educating other posters, I can empower many more consumers to deal with their own problems.

As for my lawsuits, I know many loud public voices like to talk about frivolous lawsuits, but I have never seen one in my own practice. All of my clients deserve everything they get and more. They are good people who have been abused by lenders, debt collectors, landlords, or other consumer predators.

I enjoy what I do very much, because I can help people and still make a living doing it.

But I know I will not change anyone's mind. Make all the lawyer jokes you want; I enjoy them just as much as anyone.