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Key 2 Recovery, Inc. is a debt collector. The following notice applies to all communications in connection with the collection of a debt.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
This notice is required by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., and Regulation F, 12 C.F.R. Part 1006.
The Fair Debt Collection Practices Act gives you the right to:
If you believe your rights under the FDCPA have been violated, you may contact the Consumer Financial Protection Bureau (CFPB) at ConsumerFinance.gov or 855-411-2372, or the Federal Trade Commission (FTC) at FTC.gov or 877-382-4357.
Unless you notify us within 30 days after receiving notice of the debt that you dispute the validity of the debt or any portion thereof, we will assume the debt is valid.
If you notify us in writing within 30 days that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment and mail it to you before we resume collection.
If you request in writing within 30 days, we will provide you with the name and address of the original creditor if it differs from the current creditor.
Your dispute must be submitted in writing to: Key 2 Recovery, Inc., 251 W. Garfield Rd., Suite #289, Aurora, OH 44202, or by email to info@key2recovery.com.
Key 2 Recovery, Inc. is licensed or registered in all states where required by law. The following collection agency licenses have been issued:
Key 2 Recovery, Inc. is incorporated in Ohio and maintains its principal office at 251 W. Garfield Rd., Suite #289, Aurora, OH 44202. Key 2 Recovery, Inc. is licensed or registered in all states where required by law.
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 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or 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 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.gov.
As required by California law, Key 2 Recovery, Inc. is licensed by the California Department of Financial Protection and Innovation. License No. 10615-99.
If the statute of limitations on your debt has expired, Key 2 Recovery, Inc. will include one of the following notices in the first written communication we send you:
If your debt has not passed the credit reporting obsolescence date under the Fair Credit Reporting Act:
The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Key 2 Recovery, Inc. may [continue to] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.
If your debt has passed the credit reporting obsolescence date under the Fair Credit Reporting Act:
The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.
(Cal. Civ. Code § 1788.14)
California residents may have the following rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:
To submit a request, contact us at info@key2recovery.com or write to: Key 2 Recovery, Inc., 251 W. Garfield Rd., Suite #289, Aurora, OH 44202.
We will respond within the timeframe required by California law.
California Civil Code Section 1798.83 may permit California residents to request information about certain disclosures of personal information for direct marketing purposes. Requests may be submitted using the contact information above.
This Text Message Policy explains how Key 2 Recovery, Inc. uses SMS and MMS text messages and the choices you have. This policy applies to texts sent by Key 2 Recovery, Inc. and by service providers sending messages on our behalf.
Key 2 Recovery, Inc. sends account-related text messages only. These may include:
We do not send marketing messages about unrelated products or services.
By providing your mobile number and opting in — for example through our portal, a webform, or during a communication with us — you give Key 2 Recovery, Inc. permission to send you account-related text messages at that number. You understand that Key 2 Recovery, Inc. may use automated dialing equipment to send text messages to the extent permitted by law. Message and data rates may apply.
Message frequency varies by account and based on your interactions with us.
You may opt out at any time by replying STOP to any text message we send you. After you opt out, we will send a confirmation message. No further messages will be sent from that program unless you opt back in.
Note: A request to opt out of text messages does not constitute a request to cease all communication. If you wish to stop all collection contacts, please submit a written cease communication request to the address or email listed above.
For help, reply HELP to any message or contact us at info@key2recovery.com or 877-322-4392.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Subscriber mobile numbers will not be sold or shared.
Wireless carriers are not liable for delayed or undelivered messages.
By providing your mobile number, you understand and agree that Key 2 Recovery, Inc. may contact you regarding your account using automated dialing equipment and/or pre-recorded or text messages to the extent permitted by applicable law, including the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227.
If you have provided an email address and consented to electronic communications, Key 2 Recovery, Inc. may contact you by email regarding your account.
Each collection email will identify Key 2 Recovery, Inc. as the sender and will include a clear method to opt out of further electronic communications. To opt out, reply to the email with UNSUBSCRIBE in the subject line or contact us at info@key2recovery.com.
Please note: Opting out of email communications does not constitute a request to cease all communication. If you wish to stop all collection contacts, please submit a written cease communication request as described above.
Electronic delivery of required notices is subject to your prior consent under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq. If you have not consented to electronic delivery of required notices, required disclosures will be sent by first-class mail.
We may collect the following categories of information:
We collect information directly from you when you submit a form, make a payment, contact us, or use our portal; from our clients and creditors when they place accounts with us; automatically through cookies and similar technologies on our website and portal; and from service providers supporting our operations.
We use information to provide and operate our services; verify identity and prevent fraud; communicate with you about your account; process payments; comply with applicable law; maintain security and internal controls; improve service quality and training; and protect our rights and the safety of users.
We may disclose information to our clients and creditors in connection with servicing activities; to service providers performing functions on our behalf under appropriate contractual restrictions; for legal and compliance purposes including court orders, subpoenas, and regulatory requests; in connection with business transfers such as a merger or acquisition; and with your consent or at your direction.
We retain information for as long as reasonably necessary to provide services, maintain business records, comply with legal and regulatory requirements, and resolve disputes. Retention periods vary by information type and purpose.
Key 2 Recovery, Inc. uses reasonable administrative, technical, and physical safeguards to protect consumer information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. For your protection, do not send sensitive information such as your full Social Security number or complete bank account details by text message or unencrypted email.
Our website and portal may use cookies and similar technologies to operate the site, remember preferences, enhance security, and understand usage patterns. You may control cookies through your browser settings, though disabling cookies may affect functionality.
Our website and portal are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18 without appropriate authorization.
We may update this Privacy Policy from time to time. The effective date at the top of this page indicates when the current version took effect.
All online payments to Key 2 Recovery, Inc. must be submitted through our official payment portal at pay.key2recovery.com. Key 2 Recovery, Inc. does not direct consumers to any other payment website. If you receive a request to make payment through any other site or platform, do not proceed and contact us immediately at 877-322-4392 or info@key2recovery.com.
Access to account tools requires identity verification. You must be the account holder or an authorized representative to access account information through the portal.
The content on this website is provided for general informational purposes only. It does not constitute legal advice, financial advice, credit repair advice, or a substitute for consultation with qualified legal or financial professionals. Key 2 Recovery, Inc. makes no warranties, express or implied, regarding the accuracy, completeness, or availability of any information on this site.
Key 2 Recovery, Inc. is not liable for any damages arising from or related to your use of, or inability to use, this website, including indirect, incidental, or consequential damages.
This website may contain links to third-party websites. Those links are provided for convenience only. Key 2 Recovery, Inc. is not responsible for the content, policies, or practices of any third-party site.
Key 2 Recovery, Inc.
251 W. Garfield Rd., Suite #289
Aurora, OH 44202
Phone: 877-322-4392
Email: info@key2recovery.com
Payment Portal: pay.key2recovery.com
Hours of Operation: 9am - 5pm M-F EST
This communication is from a debt collector.
