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What Is Ad Astra Recovery Services?

Sarah Edwards | April 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Ad Astra Recovery Services, Inc. is a debt collection company that handles various types of consumer and medical debt. To remove the company from your credit report, you must either prove that the debt isn’t yours, or settle the debt and then work toward rebuilding your credit.

Few things are as damaging to your personal credit as a debt that’s gone to collections. So if you’ve been contacted by Ad Astra Recovery Services, Inc., you’ll need to act fast. The company is a legitimate debt collection agency, working to collect varying types of consumer debt.

Here’s what you can do to deal with your debt and how to remove Ad Astra Recovery Services from your credit report.

Settle your debt with Ad Astra Recovery.

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What is Ad Astra Recovery Services, Inc.?

Ad Astra Recovery Services is based out of Wichita, Kansas. The company focuses on debt collection and check recovery, serving a range of industries. If you’ve been contacted by Ad Astra Recovery Services, it’s because the company has purchased your debt from another creditor, and they’re seeking to collect.

Who does Ad Astra Recovery Services collect for?

Ad Astra Recovery Services collects for a range of industries, including:

  • Healthcare.
  • Finance.
  • Retail.
  • Telecommunications.

So, you may be contacted by Ad Astra Recovery Services for things like credit card debt, medical debt, or a loan.

What’s the relationship between Ad Astra Recovery Services/Speedy Cash?

Ad Astra Recovery Services has been involved in collecting loans for Speedy Cash, and recently, Ad Astra Recovery Services was acquired by CURO Group Holdings Corp., the exclusive third-party servicer used by Speedy Cash.

However, Speedy Cash is a payday loan company and distinct from Ad Astra Recovery Services.

This means that there is a direct relationship between Ad Astra Recovery Services/Speedy Cash. If you took out a payday loan from Speedy Cash, you can expect a phone call from Ad Astra Recovery Services if you don’t pay your balance immediately.

Ad Astra Recovery Services is legitimate

Ad Astra Recovery Services is a legitimate debt collection company in operation since 2007. The company has received hundreds of customer complaints on its Better Business Bureau (BBB) profile and the Consumer Financial Protection Bureau consumer complaint database.

According to Ad Astra Recovery Services, Inc. reviews, customers allege that the company is contacting them about debt that’s not theirs. You may receive calls from phone numbers like 316-941-5488. If this should happen to you, you’ll need to insist that the company prove that the debt is yours before proceeding further.

There are different options to contact Ad Astra Recovery Services

The website currently listed on the BBB website is no longer active, but you can still contact Ad Astra Recovery Services online using the contact form on the Speedy Cash website. The same webpage indicates that you can reach Ad Astra by email or by phone at 866-398-2089.

Here’s how to respond to Ad Astra Recovery Services

If you’ve been contacted by Ad Astra Recovery Services, you have a few options. Here’s what to do after being contacted by Ad Astra.

Report violations of the FDCPA

Some Ad Astra Recovery Services reviews allege that representatives have engaged in abusive debt collection practices. As a consumer, your rights are protected under the Fair Debt Collections Practices Act (FDCPA), which explicitly prohibits aggressive collection practices. You can report Ad Astra if a debt collector:

  • Fails to identify themselves as a debt collector.
  • Calls you before 8 a.m. or after 9 p.m.
  • Calls you more than once per day.
  • Contacts your friends, family, or coworkers regarding your debt.
  • Ignores a Cease and Desist letter.
  • Refuses to validate your debt.
  • Threatens to arrest you for unpaid debt.
  • Uses vulgar or offensive language.

Make sure to record the date and nature of a violation, then report it to the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau. You can reach the FTC through the FTC website or by calling 877-382-4357, and the CFPB through the CFPB website or by calling 855-411-2372.

Validate your debt

It’s possible that Ad Astra Recovery Services is contacting you in error. Never admit that the debt is yours until the company can prove it. Ad Astra Recovery Services must validate your debt by:

  • Providing the identity of your original creditor.
  • Documenting the original amount.
  • Listing your payment history, if any.
  • Calculating the remaining debt.
  • Connecting you to the debt.

Asking for validation may cause the company to back down, but otherwise, you can move on to the next steps.

Use SoloSuit to submit a Debt Validation Letter today.

Settle your debt with Ad Astra Recovery Services

If the debt is legitimately yours, the best thing to do can be to agree to pay a lower amount. Start by agreeing to pay 60% of the debt, then work to reach a mutually agreeable settlement amount.

SoloSuit can help with this as well. Use SoloSettle to negotiate with Ad Astra Recovery Services without having to deal directly with the company. The platform is simple and user-friendly, and you’ll only pay once you reach a final settlement amount.

Let’s look at an example to see how this might work:

Example: Stephen had been receiving phone calls from Ad Astra Recovery Services, Inc. He soon learned that the company was seeking to recover a credit card debt he’d neglected after closing his account. After validating that the debt was his, Stephen used SoloSettle to negotiate a lower settlement. Stephen paid off his debt for less than the original amount and is now working to rebuild his credit.


You can remove Ad Astra Recovery Services from your credit report

The only surefire way to remove Ad Astra Recovery Services from your credit report is to prove that the debt is not valid. But if it is, you can settle the debt to start rebuilding your credit. The company may not appear directly on your credit report, but you may still see late payments and evidence that you paid less than what you owed.

The good news is that these blemishes disappear after no more than seven years. That’s also why it’s important to settle right away so that you can start rebuilding your credit as soon as possible.

Discover life after debt

Debt is never easy. Thankfully, SoloSettle is. The sooner you settle your debt, the sooner you can start moving on with life. Find out how SoloSuit can help you with your debt today!

Work fast to settle your debt with SoloSettle.

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