How to obtain Debt Verification after 1 yr payments
Date: Sun, 11/09/2008 - 06:11
In Dec. 2005 we received two letters from "BASS & ASSOCIATES" -located in Tuscon AZ.
It read:
"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 name & phone # of contact person for making arrangements for return of collateral".
The letter listed: case #: Creditor: Dealer: And Acct #. Nothing we recognized. No balance of debt and we weren't sure what to think. They requested a phone number and and signed "Surrender Dept."
We didn't receive another until April 4, 2006, he then called and was given not much more information than the letters we had already received.
After several calls he realized the debt pertained to furniture he purchased in 2002.
He agreed to begin making payment of $100 monthly toward a debt he was never even given details about. He is much more laid back than myself and since I pay bills I continued bugging him about obtaining a complete statement showing our payments, interest etc.
He called and was told they were not in a position to send any details due to the fact that they were not the original debtors. He was quoted total amount owed was somewhere between $10,000 and $12,000.
We had made at least 12 payments and if we missed one they call and call and call. My boyfriend works a lot and I'm not about to give out his cell number so they can bug him at work also.
When answering a call I have attempted to ask if I could take their message and pass it on. But they decline. Yet instead of calling back at the best time to reach him in the evening, they choose to call & call again the following day.
Please I would appreciate any help.
I think this website is very informative and I'm glad I found it.
It sounds rather shady if you ask me. I would immediately send
It sounds rather shady if you ask me. I would immediately send a DV letter, since even they admitted they weren't the OC. If you can, record those calls, or if you are in a 2 party state them inform them the calls are recorded and put such a statement into all letters. But you should definitely DV them, and inform them that they will not receive another payment until they have properly validated this account.
We've seen Bass & Ass. / Ellis Crosby on this forum countless ti
We've seen Bass & Ass. / Ellis Crosby on this forum countless times, and they just keep getting crookeder. In your place, I'd be seeking a half-hour of time from your BF's bankruptcy attorney. He can likely put a stop to this crap in a matter of minutes.
Debt Verification Letter
Thank you both for giving me your time and help with this matter. I am finishing up and sending it certified mail. I am surprised to find a web site like this one. I am overwhelmed with the information and sample letters and explanations from people everywhere.
I thank you again. I will post again when I get a response.
To me, this just seems to be a violation of the of the BK discha
To me, this just seems to be a violation of the of the BK discharge. Shouldnt the oc have filed a claimed with the BK court ? Did he reaffirm debt? If not, he can simply tell the CA that he doesnt have the furniture anymore and to pound sand. This is no different than any other debt i.e...a fridge from Sears or a computer from Dell. I would consult with the BK attorney who handled the case but quite frankly, I think you have really been scammed.
I agree, Soaplady. The BK lawyer needs to be involved in this. I
I agree, Soaplady. The BK lawyer needs to be involved in this. If the original creditor wanted anything, the BK court was the place to get it.
[quote=Monica Alvarez]Thank you both for giving me your time and
[quote=Monica Alvarez]Thank you both for giving me your time and help with this matter. I am finishing up and sending it certified mail. I am surprised to find a web site like this one. I am overwhelmed with the information and sample letters and explanations from people everywhere.
I thank you again. I will post again when I get a response.[/quote]
You're welcome. Stop in anytime. We'll help out any way we can. That's what we do here. If you like, you can pay us back by helping others.
Bass / Ellis Crosby is about the crookedest collector ever. Don't hold your breath waiting for validation. I have a feeling blue's not your color. :wink: Ted Ellis Crosby has a long and inglorious history in the debt collection business. You can read more about him over at Bud Hibbs' site. I believe that when it's all said and done, you'll find you've been scammed out of the money you've already sent. Like I said before, you need to speak to the attorney who handled your boyfriend's BK about this. You also should file complaints with your state's Attorney General [AG], as well as the AGs of Arizona and Florida. The Florida AG has been on these people for a while already. While you're at it, you should file complaints with the BBB and ripoffreport.com. Anything that helps keep other folks from being victimized by these crooks is a Good Thing.
Was the furniture debt included in the BK? It sounds like it
Was the furniture debt included in the BK?
It sounds like it was since Bass said it was discharged. Consumer debts other than certain types of loans (like car loans and real estate loans) are no longer secured by the property purchased.
If this debt was discharged by the judge then Bass is in violation of Federal Law. Definitely contact your BK lawyer and find out.
Sears was sued by the US AG for this exact thing and they lost big time. You should be able to get your money back.