BEAR STEARNS ASSET BACKED SECURITIES INC, 8-K, EX-23.1.2, 2000-12-15

BEAR STEARNS ASSET BACKED SECURITIES INC
8-K, EX-23.1.2, 2000-12-15
ASSET-BACKED SECURITIES

Previous: BEAR STEARNS ASSET BACKED SECURITIES INC, 8-K, EX-23.1.1, 2000-12-15

Next: MUNICIPAL INVESTMENT TR FD INTERM TERM SER 309 DEF ASSET FDS, 497, 2000-12-15



<PAGE>

                                                                  EXHIBIT 23.1.2


BDO          BDO SEIDMAN, LLP                     1700 Market Street, 29th Floor
             Accountants and Consultants          Philadelphia, PA 19103-3962
                                                  Telephone:  (215) 636-5500
                                                  Fax:  (215) 636-5501



CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


American Business Financial Services, Inc.
Bala Cynwyd, Pennsylvania


We hereby consent to the incorporation in the Prospectus Supplement of Bear
Stearns Asset Backed Securities Inc. relating to the ABFS Mortgage Loan Trust
2000-4 of our report dated December 14, 2000, relating to the balance sheet of
ABFS Mortgage Loan Trust 2000-4 as of December 14, 2000.




                                                     BDO Seidman, LLP


Philadelphia, Pennsylvania
December 14, 2000



                                       6