Notices & Disclosures

Debt Collector Notice

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.

Your Rights Under Federal Law (FDCPA)

The Fair Debt Collection Practices Act gives you the right to:

  • Receive written notice of the amount of the debt, the name of the creditor, and your right to dispute the debt within 30 days of our first written communication.
  • Dispute the debt in writing within 30 days of receiving our validation notice. If you do, we will stop collection activity until we obtain and mail you verification of the debt.
  • Request in writing, within 30 days of receiving our validation notice, the name and address of the original creditor if different from the current creditor. We will provide that information before resuming collection.
  • Request in writing that we stop contacting you. After receiving such a request, we may only contact you to confirm that collection efforts are being terminated, to notify you of a specific remedy we intend to invoke, or to respond to legal proceedings.
  • Be free from harassment, false or misleading statements, and unfair practices in connection with the collection of a debt.

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.

Validation of Debts

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.

You can dispute the debt by phone at 877-322-5392, by mail to Key 2 Recovery, Inc., 251 W. Garfield Rd., Suite #289, Aurora, OH 44202, by email to info@key2recovery.com, or through our Contact page. If you dispute in writing within 30 days, we will stop collection until we send you verification of the debt.

State Licensing Information

Key 2 Recovery, Inc. is licensed to collect nationwide and holds, or has applied for, a collection license or registration in every state that requires one. Our state collection licenses and registrations:

  • Alaska — 257905
  • Arizona — CA-0941601
  • Arkansas — AC-6841
  • California — 10615-99 (Department of Financial Protection and Innovation)
  • Colorado — CAR-L-00223998
  • Connecticut — CCA-1153773
  • Delaware — 2015600383
  • Florida — CCA9905154
  • Idaho — CCA10598
  • Illinois — 017.022701
  • Indiana — 1153773
  • Iowa — Registered (debt collector notification on file)
  • Louisiana — 40399382I
  • Maine — Licensed (number available on request)
  • Michigan — 2401015577
  • Minnesota — 40391523
  • Nevada — License pending with the state
  • New Jersey — License pending with the state
  • New Mexico — 1153773
  • New York City — 2135866-DCWP
  • Yonkers, New York — 10998
  • North Carolina — 119507241
  • Oregon — Registered (number available on request)
  • Pennsylvania — 121893 (collector-repossessor license)
  • Rhode Island — 20265122DC
  • Tennessee — 2366
  • Texas — 20260146 (third-party debt collector bond registration)
  • Washington — 603-332-585
  • West Virginia — 2288-0343

This list is from our license report dated October 15, 2026. Some renewals may be pending with the issuing state at any given time. Copies of any license or registration, and its current status, are available on request. Key 2 Recovery, Inc. is incorporated in Ohio and maintains its principal office at 251 W. Garfield Rd., Suite #289, Aurora, OH 44202.

Notice to California Residents

Rosenthal Fair Debt Collection Practices Act

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.

Time-Barred Debt Notice (California)

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 Consumer Privacy Rights (CCPA/CPRA)

California residents may have the following rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:

  • The right to know what personal information we collect, use, and disclose about you.
  • The right to request deletion of your personal information, subject to certain exceptions.
  • The right to request correction of inaccurate personal information we hold about you.
  • The right to opt out of the sale or sharing of personal information, if applicable.
  • The right to limit use and disclosure of sensitive personal information, if applicable.
  • The right not to be discriminated against for exercising any of these rights.

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.

Shine the Light

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.

Text Message Policy and Terms

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.

Account-Related Messages Only

Key 2 Recovery, Inc. sends account-related text messages only. These may include:

  • Payment reminders and payment notifications
  • Account and portal updates
  • Requests to contact us regarding your account
  • Responses to customer support requests you initiate

We do not send marketing messages about unrelated products or services.

Consent

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

Message frequency varies by account and based on your interactions with us.

How to Opt Out

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.

Help

For help, reply HELP to any message or contact us at info@key2recovery.com or 877-322-5392.

Mobile Data Sharing

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.

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

TCPA Notice

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.

Email Communications

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.

Privacy Policy

Information We Collect

We may collect the following categories of information:

  • Identifiers and contact information — name, mailing address, email address, phone number.
  • Account-related information — account identifiers, balances, payment history, and related records provided by our clients.
  • Verification information — date of birth, last four digits of Social Security number, and similar authentication data used to verify identity.
  • Payment information — bank account information for ACH, debit and credit card details, billing information, and transaction history.
  • Communications — call recordings where permitted by law, voicemails, emails, text messages, and other communications with Key 2 Recovery, Inc.
  • Website and portal usage data — IP address, device identifiers, browser type, operating system, pages viewed, and similar analytics data.

How We Collect 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.

How We Use Information

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.

How We Disclose Information

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.

Data Retention

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.

Security

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.

Cookies and Tracking

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.

Children

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.

Changes to This Privacy Policy

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.

Online Payment Portal

All online payments to Key 2 Recovery, Inc. must be made through our payment portal at pay.key2recovery.com, or through the PayPal and Venmo links on 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 877-322-5392 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.

Disclaimer

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.

Contact Us

Key 2 Recovery, Inc.
251 W. Garfield Rd., Suite #289
Aurora, OH 44202
Phone: 877-322-5392
Email: info@key2recovery.com
Payment Portal: pay.key2recovery.com

Hours of Operation: 9am - 5pm M-F EST

This communication is from a debt collector.