A poor credit score can limit you with essential things such as mortgages or applying for finance on big purchases like cars. Therefore, doing what you can to keep your score from suffering is necessary.
In a perfect world, this would involve making sure all bills are paid on time and avoiding missed payments or slipping into arrears. One of the worst things that can happen to your credit score can be when your debt is passed on to a third-party collection agency.
This article will look at your options if Ad Astra Recovery Services have a collection on your credit report.
About Astra Recovery Services
Dating back to 2007, Ad Astra Recovery Services offers several services, including debt collection, check recovery, payment plans, debt reporting, and litigation, and is located in Wichita, Kansas.
Curo Group Holdings Corporation acquired the company in 2019. Ad Astra works exclusively with a number of CURO brands.
If you fall behind with payments to any of these companies, Ad Astra Recovery Services may start to contact you.
Should I Take Ad Astra Recovery Services Seriously?
Ad Astra Recovery Services is legitimate, but you should always be aware of potential scams.
Ad Astra has been a member of ACA International for over fifteen years and is accredited by the BBB (the Better Business Bureau).
It is essential that you are aware of your rights to avoid Ad Astra Recovery Services representatives taking advantage of you.
Any contact you get from debt recovery companies should be checked to ensure it is not scammers using their name.
Never contact the company through the details they provide. Research online and find the official site to check the contact details or use these;
- Ad Astra Recovery Services Contact Number – (866) 398 2089
- Ad Astra Recovery Services Official Site – www.adastrarecoveryservicesinc.com
- Ad Astra Recovery Services Address – 7330 West 33Rd Street North Wichita, KS 67205
How Will I be Contacted by Ad Astra Recovery Services?
You will be contacted by Ad Astra Recovery Services if a collection has been transferred to them by letter or phone.
You shouldn’t try to ignore them, and speaking with them to try and resolve the debt is advised. Keeping a paper trail of all contact is a good idea and asking them to only contact you by letter is the best way of doing this.
If they continue to call, recording calls is a good way of ensuring you have a record of everything that is said. Some states won’t require permission from them to record the call, but you should check to avoid confusion.
Stopping Ad Astra Recovery services calling
Ad Astra Recovery Services must follow fair debt collection practices, but many debt collection services have been known to apply pressure on debtors to get them to make a payment.
Debt verification letters are a great way to get them to stop calling. These must be sent within thirty days of their first contact with you, and they must cease contact until they have provided evidence of the debt they are pursuing being linked to you.
This should always be requested so you can get all the information you need and weed out scammers.
Disowning the debt might be possible should Ad Astra Recovery Services fail to provide adequate evidence that the debt is yours.
Dealing With Harassment from Ad Astra Recovery Services
All debt recovery agencies will continue to contact you to recover the debt. Understanding your rights and the restrictions in place will help you stop any harassment.
The Fair Debt Collections Practices Act prohibits debt collection agents and companies from behaving in a predatory way and harassing debtors. This includes persistent calls on the same day and calling during unsociable hours.
Representatives that call must also follow the Telephone Consumer Protection Act, which will also help to protect you.
How am I protected against Ad Astra Recovery Services?
If your debt has been transferred to Ad Astra Recovery Services, you will be covered by the Fair Debt Collection Practices Act. The FDCPA prohibits Ad Astra Recovery Services from the following actions;
- Discussing your case or debt with anyone but you. This includes family, friends, third parties, or co-workers.
- Calling multiple times in one day.
- Calling you before 8 am or after 9 pm.
- Sending pre-recorded messages or making automated calls.
- Contacting you at work if you have advised them you are unable to take calls.
If Ad Astra Recovery Services violate your rights according to the FDCPA, you will be able to file a complaint and have the potential to take them to court.
Is Legal Action a Viable Option?
If Ad Astra Recovery Services violate the Fair Debt Collection Practices Act, you might be due $1,000 per violation, and additional payment for damages suffered. They will also cover court costs and attorney fees.
If you believe that Ad Astra Recovery Services is in violation of the act, recording phone calls and saving letters will help to back up your case.
You should always keep records as soon as Ad Astra Recovery Services get in contact with you. That way, you will have a stronger case if you do plan on taking legal action down the line.
Filing a Complaint Against Ad Astra Recovery Services
If you are confident that Ad Astra Recovery Services have violated your rights, reporting the violation to the state attorney general, Federal Trade Commission, and Consumer Financial Protection Bureau is an option.
After reporting them to one of these professional bodies, you will discover if you can sue. Alternatively, you will be able to file a complaint with the BBB (the Better Business Bureau).
The BBB is not affiliated with the US Government and is a private organization. Your complaint will be forwarded to Ad Astra Recovery Services to resolve, but they may not be able to do this to your satisfaction.
Your complaint may be forwarded to be dealt with by an arbitrator, which can forfeit your right to court action against Ad Astra Recovery Services.
Ad Astra Recovery Services Credit Report Removal Tips
Debt with collection agencies like Ad Astra Recovery Services can be bad news for your credit score. If you are looking to improve it, there are some steps you can take.
Speak with Ad Astra Recovery Services
If the debt is not older than seven years and Ad Astra Recovery Services is able to provide evidence that the debt is yours, you will have to pay it.
Paying the debt off won’t mean it is removed from the credit report, but thanks to new credit score models, yours will be improved.
Speaking with Ad Astra Recovery Services and trying to negotiate a deal might be helpful.
Negotiate Pay for delete
Pay for delete is an option that can suit both parties. This is when you agree that a negative mark on your credit score will be removed when you clear your debt. You should get the agreement in writing before making any payments to ensure it is carried out.
Negotiate a Goodwill deletion
After paying off your debt, write a letter to Ad Astra Recovery Services requesting a goodwill deletion of the negative mark on your credit report. You will have to explain the reason for the original debt and provide evidence that you regularly pay bills. You should also include how your credit report is negatively impacting your life.
Ad Astra Recovery Services is under no obligation to grant this, but keeping a good relationship and putting forward a good case can be successful.
Check the Statute of Limitations
Checking the date of the original debt might show that this has passed. If this is the case, it will be known as a time-barred debt that Ad Astra Recovery Services can no longer pursue.
You can contact them by letter asking requesting that they cease contact, and they will have to. Time limitations for debt will typically be between 3 to 6 years. However, you can check by contacting the state attorney general or looking on their website.
Dispute the debt with the major credit bureaus
If you are sure that the debt is not yours, disputing it with all three credit bureaus (Equifax, TransUnion, and Experian) should be your first course of action.
You will also be able to dispute debts over seven years from the first time you missed a payment. They should drop from a credit report by law in this time frame.
If you want to dispute the debt, you should check which credit bureaus show Ad Astra and write to them.
Wait for Ad Astra Recovery Services Details to Naturally Drop Off Your Credit Report
This is the last and least attractive option as it will typically take seven years for this to happen. You can try to improve your credit score over this time by keeping up with other payments.
How are debts passed to other companies?
The original lender will have stipulations in the contract about what will happen if you default on payment.
The original company will typically contact you to let you know you have missed payments, and you should try to resolve this before the debt is passed over to a debt collection agency.
If you do not resolve the debt with the original company, they can employ a third-party debt collection company to recover the debt for a percentage, or they will sell the debt, which is then passed over.
You will be legally obligated to pay the debt collection agency unless they are unable to provide evidence that the debt was yours.
This can be a better option for the original lender, who will not want to waste time and money trying to recover the original debt.
Will my debt being passed to a debt collection agency affect my credit score?
Yes, debt being transferred to a collection agency will have a negative impact on credit reports.
The longer a debt is owed, the more significant impact it will have on your credit score.
Debt being passed to a collection agency is not looked on favorably by other lenders as it is evidence that you have failed to keep up with payments or agree on new terms with the original lender.
What is the best way to deal with Ad Astra Recovery Services?
When dealing with Ad Astra Recovery Services, you should avoid speaking on the phone and demand contact by letter, so you have a paper trail. If phone calls are necessary, record them and advise the company that you intend to record the call in states where permission is required from both parties.
Applying for new lines of credit when you are dealing with a collections agency or trying to hide money can be illegal and should be avoided.
Ensuring you have contact with Ad Astra Recovery Services and work with them to find a resolution is the best thing you can do, but be aware of your rights.
The best way of avoiding Ad Astra Recovery Services impacting your credit score is by reaching an agreement with the original lender before the debt is passed to the collection.
Understanding your rights with the debt collector is essential to ensuring you are treated fairly. Having access to your collection account to monitor payments and the amount due can also help.
Sending a debt verification letter to debt collection agencies will determine whether the debt is yours, that they are a legitimate company, and let you know if the debt has passed the statute of limitations.
If the debt is yours, removing Ad Astra Recovery Services from your credit report can be difficult but is not impossible. Speaking with the company and trying to work something out with them is the best course of action.
Speaking with a reputable credit repair company can also help you to manage collection accounts or work something out with the agency. A credit repair professional will be able to act on your behalf to work something out in terms of the debt settlement or removing them from your credit report.