From the file you send us to the money we send back, here's what happens to your accounts.

  1. 1

    You send us accounts

    Upload a file on our Place Accounts page with no login, or send it by secure FTP or encrypted email. Excel, CSV, tab-delimited, PDF, Word and billing-system exports all work.

  2. 2

    We load your accounts

    We load your accounts and check the contact details. Where they're missing or out of date, our skip-tracing team finds current ones.

  3. 3

    We contact the people who owe

    By letter, phone and text, under the FDCPA, Regulation F and state law. Calls are monitored and recorded for quality.

  4. 4

    They pay

    Online at pay.key2recovery.com, by phone or by mail. Card payments are handled to PCI/DSS standards.

  5. 5

    You see everything

    The client portal shows every account, payment and note in real time, and reports are emailed to you automatically.

What we need from you

The more you send, the more we recover. At minimum: account holder name, last known address and phone number, account or reference number (student ID for schools), current balance, original creditor or service, and date of first delinquency.

Ready to send a file, or want to talk it through first?

Place accounts