Ad Astra Recovery Services: How to Respond & Remove

Few things damage your credit like a debt in collections. If Ad Astra Recovery Services has contacted you, act now.

Ad Astra Recovery Services is a legitimate debt collection company. The firm purchases unpaid debts from original creditors and works to collect them.

Negotiate With Ad Astra Without the Stress

Stop dealing with aggressive collection calls from Ad Astra Recovery Services. Our partner Solo handles all communication and helps you settle for less than you owe. Get started in minutes.

Start Negotiating Now

You have options. You can dispute the debt, negotiate a settlement, or fight back against violations.

Who Is Ad Astra Recovery Services?

Ad Astra Recovery Services operates from Wichita, Kansas. The company has been collecting consumer debts since 2007.

When Ad Astra contacts you, they’ve purchased your debt from another creditor. The company now owns the debt and wants payment.

Industries Ad Astra Collects From

Ad Astra Recovery Services collects across multiple sectors:

Healthcare and medical debt
Financial services and credit cards
Retail accounts
Telecommunications bills

You might hear from Ad Astra about credit card balances, medical bills, or unpaid loans.

The Speedy Cash Connection

Ad Astra Recovery Services has a direct relationship with Speedy Cash. CURO Group Holdings Corp. acquired Ad Astra and uses them as the exclusive collector for Speedy Cash.

Speedy Cash is a payday loan company. If you took a payday loan from Speedy Cash and didn’t repay it, expect a call from Ad Astra.

Is Ad Astra Legitimate?

Yes, Ad Astra Recovery Services is a real debt collector. However, the company has received hundreds of complaints on its Better Business Bureau profile.

Common complaints include calls about debts that don’t belong to the person being contacted. Phone numbers like 316-941-5488 frequently appear in consumer reports.

The Consumer Financial Protection Bureau complaint database shows numerous issues. Always demand proof before acknowledging any debt.

How to Contact Ad Astra

You can reach Ad Astra Recovery Services through the Speedy Cash website contact form. You can also call them at 866-398-2089.

The company’s original website is no longer active. All communication now routes through Speedy Cash channels.

How to Respond to Ad Astra Recovery Services

Getting contacted by a debt collector feels stressful. You have rights and options.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection tactics. Ad Astra must follow strict rules.

Debt collectors cannot:

Call before 8 a.m. or after 9 p.m.
Contact you more than once per day
Call your friends, family, or employer about your debt
Use threatening, vulgar, or offensive language
Threaten arrest for unpaid debt
Fail to identify themselves as debt collectors
Ignore your cease and desist letter
Refuse to validate your debt when requested

If Ad Astra violates these rules, report them immediately. Contact the Federal Trade Commission at 877-382-4357 or visit the FTC website.

You can also file a complaint with the Consumer Financial Protection Bureau. Call 855-411-2372 or use the CFPB website.

Document every violation with dates, times, and details. These records strengthen your case.

Request Debt Validation

Never admit the debt is yours until Ad Astra proves it. You have the right to request validation.

Ad Astra must provide:

The original creditor’s name
The original debt amount
Your payment history, if any exists
The current balance owed
Proof connecting you to the debt

Send a debt validation letter within 30 days of first contact. Our partner Solo can help you create this letter quickly.

Some collectors back down when you request validation. Others provide proof and continue collection efforts.

Negotiate a Settlement

If the debt is legitimately yours, settling makes sense. Collectors often accept less than the full amount.

Start by offering 60% of the total debt. Many collectors will negotiate from there.

Get everything in writing before you pay a single dollar. The settlement agreement should state:

The total settlement amount
Payment terms and deadlines
Confirmation the debt will be marked as settled
Agreement not to sell remaining balance to another collector

Our partner Solo helps you negotiate without speaking directly to collectors. The platform handles communication and documentation for you.

Example: Stephen received repeated calls from Ad Astra about an old credit card. After validating the debt was his, he negotiated a settlement at 65% of the balance. Stephen paid the agreed amount and began rebuilding his credit immediately.

How to Remove Ad Astra From Your Credit Report

You can remove Ad Astra Recovery Services from your credit report if the debt isn’t valid. Dispute the entry with all three credit bureaus.

If the debt is legitimate, settling it helps you move forward. The collection account will remain on your report but will show as settled.

Collection accounts disappear after seven years from the date of first delinquency. Settling now starts the clock on rebuilding your credit.

Steps to Dispute Invalid Debts

Contact Equifax, Experian, and TransUnion directly. File a dispute explaining why the debt isn’t yours.

Include any evidence you have:

Proof of payment
Identity theft reports
Documentation showing the debt belongs to someone else
Expired statute of limitations information

The credit bureaus must investigate within 30 days. If they can’t verify the debt, they must remove it.

Rebuilding Credit After Settlement

Settling a debt stops collection calls and lawsuits. Now focus on rebuilding your credit score.

Pay all current bills on time. Payment history accounts for 35% of your credit score.

Keep credit card balances below 30% of your limit. Lower utilization improves your score faster.

Our partner Kikoff helps you build positive credit history with a small monthly payment.

What Happens If You Ignore Ad Astra

Ignoring debt collectors never works. Ad Astra Recovery Services can escalate collection efforts.

The company may:

Report the debt to credit bureaus, damaging your score
File a lawsuit against you for the debt
Obtain a judgment and garnish your wages
Place a lien on your property

Responding quickly gives you more control. You can negotiate better terms before the situation escalates.

Your Options When Ad Astra Calls

You have three main paths when dealing with Ad Astra Recovery Services.

Option 1: Dispute the Debt

Choose this if the debt isn’t yours or the amount is wrong. Request validation immediately.

Send your dispute letter via certified mail. Keep copies of all correspondence.

Option 2: Negotiate a Settlement

Choose this if the debt is legitimate but you can’t pay the full amount. Start negotiations at 60% of the balance.

Never give Ad Astra access to your bank account. Pay only after receiving written settlement terms.

Option 3: Pay in Full

Choose this if you can afford it and want the debt resolved quickly. Request a paid-in-full letter for your records.

Paying in full doesn’t automatically remove the collection from your credit report. You may need to negotiate pay-for-delete.

Protecting Yourself from Collection Scams

Not every collector calling is legitimate. Scammers impersonate real collection agencies.

Warning signs of a scam include:

Demanding immediate payment via gift card or wire transfer
Threatening arrest or criminal charges
Refusing to provide written verification
Pressuring you to pay before verifying the debt
Asking for your Social Security number or bank details

Always verify the collector’s identity before sharing information. Call Ad Astra directly using the number on their official contact page.

When to Consult a Professional

Some debt situations require professional help. Consider consulting an attorney if:

Ad Astra has filed a lawsuit against you
The debt exceeds $10,000
You’re facing wage garnishment
Multiple collectors are pursuing you
You suspect identity theft

Our partner Solo can help you respond to lawsuits and negotiate settlements without expensive attorney fees.

Take Control of Your Debt Today

Ad Astra Recovery Services won’t stop calling until you take action. You have rights and options.

Start by requesting debt validation. Never admit the debt is yours without proof.

If the debt is valid, negotiate a settlement you can afford. Get everything in writing before you pay.

Acting quickly prevents lawsuits and protects your credit score. The sooner you resolve this, the sooner you can move forward.

Frequently Asked Questions

What is Ad Astra Recovery Services?

Ad Astra Recovery Services is a debt collection company based in Wichita, Kansas, that has been operating since 2007. The company purchases unpaid debts from original creditors and collects on behalf of healthcare, financial, retail, and telecommunications companies. Ad Astra was acquired by CURO Group Holdings Corp. and serves as the exclusive third-party collector for Speedy Cash payday loans.

How do I verify a debt from Ad Astra Recovery Services is legitimate?

Send a debt validation letter within 30 days of first contact requesting proof of the debt. Ad Astra must provide the original creditor's name, the original debt amount, your payment history, the current balance, and documentation connecting you to the debt. Never admit the debt is yours until they provide this validation. If they cannot validate the debt, they must stop collection efforts.

Can I negotiate a lower amount with Ad Astra Recovery Services?

Yes, debt collectors often accept less than the full amount owed. Start by offering 60% of the total debt and negotiate from there. Always get the settlement terms in writing before making any payment, including the agreed amount, payment deadline, and confirmation that the remaining balance will not be sold to another collector.

What should I do if Ad Astra Recovery Services violates the FDCPA?

Document the violation with dates, times, and details of what happened. Report violations to the Federal Trade Commission at 877-382-4357 or through their website, and to the Consumer Financial Protection Bureau at 855-411-2372. Violations include calling before 8 a.m. or after 9 p.m., contacting you more than once daily, using threatening language, or refusing to validate your debt.

How can I remove Ad Astra from my credit report?

If the debt is invalid, dispute it with all three credit bureaus (Equifax, Experian, and TransUnion) with supporting evidence. If the debt is legitimate, settling it will show as "settled" on your report but won't remove the entry entirely. Collection accounts automatically disappear after seven years from the date of first delinquency, so settling quickly starts your credit rebuilding timeline sooner.

What Is Ad Astra Recovery Services? Your Complete Guide