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RELATED-PARTY TRANSACTIONS
12 Months Ended
Dec. 31, 2019
Related Party Transactions [Abstract]  
RELATED-PARTY TRANSACTIONS
RELATED-PARTY TRANSACTIONS

The Company has historically used Ad Astra Recovery Services, Inc. (“Ad Astra”), which is owned by the Founder Holders, as its third-party collection services for U.S. operations. The Company acquired Ad Astra on January 3, 2020. See Note 24 - "Subsequent Events" for further information. Generally, once loans are between 91 and 121 days delinquent, the Company referred them to Ad Astra for collections and Ad Astra earned a commission fee equal to 30% of any amounts successfully recovered. Payments collected by Ad Astra on the Company's behalf and commissions payable to Ad Astra were net settled on a one-month lag. The net amount receivable from Ad Astra at December 31, 2019, 2018 and 2017 was $1.4 million, $1.1 million and $0.7 million, respectively. These amounts are included in “Prepaid expenses and other” in the Consolidated Balance Sheets. The commission expense paid to Ad Astra for the years ended December 31, 2019, 2018 and 2017 was $15.5 million, $13.8 million and $12.4 million, respectively, and is included in “Other costs of providing services” in the Consolidated Statements of Operations.

The Company has entered into several operating lease agreements for its corporate office, collection office and stores in which the Company operates, with several real estate entities that are related through common ownership. These operating leases are discussed in Note 17 - "Leases."