Who is Ad Astra Recovery Services?
Ad Astra Recovery Services, Inc. (AARS) is a third-party debt collection agency based in Wichita, Kansas. The company works with various clients to recover overdue debts.
If you see Ad Astra Recovery Services, ‘ad astra rec’, or ‘ad astra recovery serv’ on your credit report, it signifies that you have an outstanding debt which the company is attempting to collect.
Who does Ad Astra Recovery Services collect for?
Ad Astra Recovery Services has a diverse client base, including Speedy Cash payday loans, among other businesses. One of their primary services is recovering overdue payday loans — short-term, high-interest loans intended to be paid back by the borrower’s next payday.
They also provide check recovery services, which involve retrieving funds from checks that have been written but not successfully processed due to insufficient funds or other issues.
Is Ad Astra Recovery Services legit or a scam?
Ad Astra Recovery Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.
How can I remove Ad Astra Recovery Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Ad Astra Recovery Services, Inc. Contact Information
Address:
Ad Astra Recovery Services, Inc.
7330 W 33rd St N #118
Wichita, KS 67205-9370
Phone number: (866) 398-2089
Should I contact or pay Ad Astra Recovery Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Ad Astra Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Ad Astra Recovery Services on behalf of their clients.
Will Ad Astra Recovery Services sue me or garnish my wages?
Ad Astra Recovery Services has the potential to sue you in court if you fail to pay a debt. This is typically a last resort if all other collection efforts have failed. If they win the lawsuit, they may obtain a court order to garnish your wages until the debt is paid off.
However, not every case ends up in court. It’s also important to note that the rules surrounding wage garnishment vary by state, and there are federal laws in place that limit the amount that can be garnished.
Ad Astra Recovery Services, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with Ad Astra Recovery Services, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Ad Astra Recovery Services
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Ad Astra Recovery Services to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate. This is done by sending Ad Astra Recovery Services a debt validation letter.
- Ad Astra Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Ad Astra Recovery Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Ad Astra Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Ad Astra Recovery Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Ad Astra Recovery Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
