If Ad Astra Recovery Services is contacting you about a past due debt that you don’t think you owe, you can ask for the debt to be verified or validated.
This is one of many rights that you have as a consumer thanks to the Fair Debt Collection Practices Act (FDCPA) enacted by Congress.
The FDCPA is to promote fairness in debt collecting and establishes guidelines for both the debtor and the creditor or collection agency. The FDCPA allows you to ask for specific details about the debt, including asking for it to be verified.
Once you have sent them a letter requesting debt validation, Ad Astra Recovery Services must stop all attempts at collecting the debt until they have sent you proper documentation.
You can ask for proof of the debt, the amount of the debt, and the original creditor of the debt.
Drafting Your Letter To Ad Astra Recovery Services
You should consult with an FDCPA lawyer who can draft the letter for you.
An attorney can gather up all the supporting documentation and then form an FDCPA-compliant letter to Ad Astra Recovery Services, ensuring that you are provided with the documentation that proves you do indeed owe the debt.
While the laws usually give you 30 days from the time you are notified of the debt to ask for validation, but it isn’t as specific for a timeframe for the collection agency to respond to your request.
While the laws might not be specific, you can include a time limit for a response in your letter. Your FDCPA attorney can draft the letter and specify the recipients only have 30 days or so to respond.
Actual Sample Letter
I am asking Ad Astra Recovery Services to provide me with information that can validate the debt that they are alleging I owe. I am making this request based on the rights provided to me through the Fair Debt Collection Practices Act, which can be found at 15 USC 1692g Sec. 809(b).
I am demanding specific information regarding this matter to be provided to me. I am asking for the amount of the debt, the original creditor’s name, any judgment that is applicable, the agreement you have with the original creditor regarding collection of the debt, valid copies of the original credit agreement, documents that show the original debt amount, a payment history, any interest charges and fees, your license to collect debt in my state of residence, and the amount of and date of the last payment on this account.
In addition, I request information that shows the Statute of Limitations for collecting this debt hasn’t expired.
If Ad Astra Recovery Services doesn’t respond to my request for this documentation within 30 days of receiving this letter, all references to this debt must be removed from my credit history.
You must stop future attempts to collect this debt. If you fail to comply with my debt validation request, it will be considered a waive of claims for enforcing this debt against me.
Your implied agreement would indicate you would reimburse for my legal fees, including court costs and attorney’s fees, should this advance to a court of law.
You should then sign the letter and be sure to include the account number or reference number so the account can be looked up by Ad Astra Recovery Services.
Talk to an Attorney Today
If Ad Astra Recovery Services is attempting to collect a past-due debt that you don’t think you owe, consult with an FDCPA attorney who practices law in your state.
A lawyer will write a dispute letter on your behalf and send it to Ad Astra Recovery Services. Your time is limited to dispute the debt and to request validation, so don’t wait too long.
If you don’t act in time, Ad Astra Recovery Services will continue with the debt collection process, and you will have a negative mark on your credit history that might not need to be there.
The FDCPA was enacted to protect consumers from scrupulous collection practices, so make sure you take advantage of the rights that are available to you and ask for any debt to be validated.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Ad Astra Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.