Ad Astra Recovery Services (AARS) on Your Credit Report? Fight Back and Win

Last Updated:
April 11, 2023

If you’re being tirelessly pursued by Ad Astra Recovery Services, you’re among thousands of unsuspecting individuals. Being targeted by a debt collection agency is often an overwhelming, scary, and exhausting experience. Additionally, it’s riddled with legal hoops.

However, it may be possible to get Ad Astra Services effectively removed from your credit report. Let’s explore Ad Astra Recovery Services, what they do, who they serve, and why they may be targeting you. 

What is Ad Astra Recovery Services and What Do They Do?

Ad Astra Recovery Services (AARS) is a third-party debt collection company. They are infamous for aggressive and intimidating collection practices. Founded in 2007 in Austin, Texas, AARS’s business model centers around purchasing debt for a small price. Their headquarters are currently located in Wichita, Kansas, although consumers can expect phone calls from a variety of phone numbers with different area codes. 

In most cases, companies like AARS pay pennies on the dollar for their purchased accounts. In turn, they make a stiff profit and leave thousands of individuals with scarred credit reports.

Is Ad Astra Recovery Services a Legitimate Company?

Ad Astra Recovery Services is a legitimate company. Their communications tactics and incessant calls often appear to be spam, but they are not. If you’re being contacted by AARS, it’s essential that you treat their communications with care and intention. 

It may be tempting to neglect their calls, emails, messages, or letters, but doing so could create more harm. If you are hearing from them you need to take action. 

It’s not recommended that consumers contact an AARS representative themselves. Utilizing an accredited resource with legal and industry expertise yields the best results.

Company Contact Information

As stated before, consumers should avoid speaking with an AARS representative directly, especially before doing their research. And, having their company information may be important to your case or for your research on them. 

The current company contact information for Ad Astra Recovery Services is: 

Why is Ad Astra Recovery Services Calling Me?

It will likely feel alarming when you first receive a phone call from Ad Astra Recovery Services. If AARS is contacting you it’s because you’re suspected of owing a debt to one of their clients. However, AARS and many other debt collection agencies are prone to fraudulent reports. 

In many cases, consumers were incorrectly pursued for a debt for the following reasons: 

  • The debt has already been paid but still remains on their report
  • The debt was attained as a result of stolen identity or fraud
  • Their name is similar to another consumer, and AARS has contacted them by mistake
  • There are duplicate files and the debt has appeared more than once

If you are hearing from AARS it’s important to first determine if the debt they are attempting to collect is valid and collectible from you. 

How Do I Know if I’m Being Harassed?

Debt collection harassment is unfortunately rampant in their industry. Any behavior that is abusive, bullying, aggressive, oppressive, or coercive falls under the category of harassment. As a consumer, you have rights that are protected by law. If you think an AARS representative is harassing you, here are some things to look out for: 

  • You’re receiving multiple phone calls a day, sometimes in the early morning or early evening hours
  • A collector is attempting to threaten you with a lawsuit, arrest, and in some instances, violence
  • A collector attempts to contact you even after deferring all communications to an attorney
  • The agency discloses confidential debt information to loved ones or coworkers

These actions directly violate numerous FDCPA (Fair Debt Collection Practices Act) regulations. Being aware of these rights and potential violations may help you in your dispute with companies such as AARS. 

What Does Ad Astra Recovery Services Collect For?

AARS specializes in collecting delinquent consumer loans for different companies across the U.S. Their primary client is CURO Group Holdings Corp. However, a complete list of Ad Astra Recovery Services’ clients is not publicly known. 

Will I Get Sued?

It is highly unlikely that AARS will sue you or pursue a lawsuit against you. Even with empty threats of a lawsuit or arrest, they likely won’t take legal action. Regardless, having your own legal support by your side through every step of the process is helpful. 

How This Affects Your Credit

Unfortunately, when a debt collector appears on your report, this can have detrimental effects on your credit score. Even if you pay the delinquent account, the debt still remains on your report as “paid.” 

In some cases, you can get the report removed after payment with a “goodwill letter”. And in other scenarios, it may be able to get removed without making any payments at all. The results vary from case to case and also depend on the validity of the debt.  

Removing Ad Astra Recovery Services From Your Report

Support is available; you don’t have to undergo this frightening process alone. Be sure to complete the following steps to remove Ad Astra Recovery Services from your report.

Review Your Credit Report

Carefully look over your credit report for any inaccuracies or inconsistencies. You can do so by requesting copies of your report from any major credit bureau. If you notice any misprints or errors, consult with our firm at Fair Credit. We can help guide you on the next steps to getting these errors corrected and the damage to your credit report reversed. 

Work With a Trusted Team

Working with an experienced debt resolution team is often helpful. Consulting with an attorney is advised and may save you stress and keep you from making unnecessary payments.

Let an FCRA Attorney Serve Your Case

If you believe you’re being falsely accused of an owed debt, an FCRA attorney is on standby ready to hear your case. If you know you have an owed debt, and are unsure how to proceed, we can still help.

We believe all consumers deserve the time to verify there are no errors in debt reporting on their credit reports before making any payments. Reach out to request your free case review today!

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