Consumer Disclosures

The following states require that disclosures be given to residents of those states in certain circumstances. You may also have rights in those or other states not specifically stated below.

California

The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that. except under unusual circumstances. collectors may not contact you before 8AM or after 9PM. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false of misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part. collectors may not tell another person. other than your attorney or spouse. about your debt. Collectors may contact another person to confirm your location or to enforce a judgment. For more information about debt collection activities. you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.ctov.

Colorado

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT. SEE www.coag.gov/car. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

Maine

Our physical address is 328 Ross Clark Circle. Dothan. AL 36303.

Massachusetts

Notice of Important Rights: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered with seven (7) days of such request. You may terminate this request by writing to the debt collector.

Minnesota

This collection agency is licensed by the Minnesota Department of Commerce.

New York City

This Collection Agency is licensed by the New York City Dept. of Consumer Affairs Permit # 1277127.

Tennessee

This collection agency is licensed by the Tennessee Collection Service Board. State Department of Commerce and Insurance.

Utah

As required by Utah law. you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.

Consent to Receive E-mail Disclosure:

By providing your e-mail address, you are consenting to receive electronic communication from Ad Astra to the e-mail address you have provided. You also understand and acknowledge that by providing an employer or shared e-mail account, that e-mails from Ad Astra may be accessed by others with access to your e-mail account. Please be advised that you have the right to withdraw your consent by sending an e-mail to Ad Astra at support@adastrarecoveryservicesinc.com or you may send your written request to 8918 W. 21st St N Ste 200 PMB 112 Wichita, Kansas 67205. Withdrawal of your consent to receive electronic communications will be effective only after a reasonable period of time has elapsed to process your request.

Consent to Receive Mobile Telephone Calls Disclosure:

By providing your mobile telephone number, you are consenting to Ad Astra contacting you at the mobile telephone number provided using an automated dialing machine or other telephone technology, including the use of pre-recorded messages. Please be advised that you have the right to withdraw your consent to receive calls from Ad Astra utilizing an automated dialing machine or other telephone technology, including the use of pre-recorded messages. You may withdraw your consent by sending an e-mail to Ad Astra at support@adastrarecoveryservicesinc.com or you may send your written request to 8918 W. 21st St N Ste 200 PMB 112 Wichita, Kansas 67205. Withdrawal of your consent to receive calls from Ad Astra utilizing an automated dialing machine or other telephone technology, including the use of pre-recorded messages, will be effective only after a reasonable period of time has elapsed to process your request.

We may be required by law to notify you of the following rights. This page does not contain a complete list of the rights you have under local, state and federal law.