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Key 2 Recovery Inc


5448 W Chester Rd
West Chester, OH 45069-2916

Contact Them:

Phone: (513) 874-2288
Fax: (513) 874-3037

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to call you collect.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Kristen Strahler on February 5, 2015 at 3:34 pm

      My experience was awful. The collector was VERY rude. Demanded me to call at a certain time or they were going to sue me. Told me I had to put down a “good faith” deposit of 2,000 dollars before I could make a payment arrangement. They wouldn`t let me pay what I can. I don’t make that much plus have other personal things going on that also have to be paid so I can not make the payments they are requiring me to pay. What can I do to prevent them from suing me and threatening to sue me? I feel like this is extremely unprofessional the way they handled it also the way they verified it was me is unacceptable because any female in my family could say yes to “is this Mrs. such and such?” Seriously I’m not comfortable with that at all!!!!

    2. Abby Hendrickson on February 27, 2015 at 12:13 am

      My experience has been awful. The representative I have been speaking to is very rude and judgmental. They are wanting me to pay over $6000 to just start a payment plan and when I tell them that I cannot afford that they say they will sue me. I’ve tried making payment plans with them but they are not excepting anything other than their unreasonable amounts that they have told me to pay. I can only pay what I can afford and they are not my only bill. They also give me time frames that I have to call back and I work a lot so I can’t always be on their time schedule. This has been the worst experience in dealing with this company.

    3. Kelly on March 3, 2015 at 5:16 pm

      Today I received a call from a collection agent named Tiffany from Key 2 Recovery. The first thing she said to me when I answered the call was that she was calling on behalf of Walsh University and she wanted to know “Do you want to pay this balance or do you want to deal with it through the courts?” She stated that I was refusing to pay the bill (which I never did). I advised her that I had been dealing with another collection agent named Jason and was disputing the bill (which I did in writing). I had requested from Jason more information about the balance as this was due to a mistake on the part of the University as I turned in my FASFA on time (on line) and then Walsh delayed and it caused me to be denied financial aid. I spoke to someone at that time at Walsh and was told I would be able to drop the class and re-enroll next semester after I completed a new FASFA. Tiffany did not want to hear any of this and continued to threaten me with legal action as well as stating she “should not have to call me to tell me to pay my bills” and implied that I was a deadbeat and had no valid reason for disputing the balance. She continued to raise her voice to me and talk over me. I asked her repeatedly to stop being so abusive and combative and she stated to me “I am not yelling, but I can if you want me to.” At which point I advised her that per the FDCPA they have to validate the debt and I wanted to know what attorney she was working with (at which point she began to back peddle). She proceeded to say she was not working with an attorney, but simply making a recommendation to Walsh. I asked her who the contact was at Walsh so I could deal with them directly and she refused the information. She then had me talk to a supervisor Amy, who was more polite, but also began being rude when I told her I would send the FASFA confirmation showing I did it by the deadline, but would still be contacting Walsh about the situation. Key 2 Recovery Collection company is WAY out of compliance with the FDCPA and I am considering filing a complaint with the FTC.

    4. David Andrews on March 24, 2015 at 2:20 pm

      Since I don’t work normal hours, my wife fielded the first couple of calls from Key 2 Recovery Inc. She was very upset every time they called. They were very aggressive and kept mentioning my employer saying that they would garnish my wages. After a couple of unanswered calls I finally reached their representative. I explained that I want to pay the bill and would like to work out a payment arrangement.I told him that I would like to pay with a money order and he said that wasn’t possible but I could pay with my debit card. My wife overheard this and said loudly, don’t give him your bank information. Then the guy went off. He started yelling at me and said he would not talk to me while my wife was in the room. I tried to explain that I was only trying to pay my debt but he got louder and louder and kept yelling that he wouldn’t talk to me while she was around. I asked to speak to his supervisor and he told me that it wouldn’t do any good and then hung up. Still wanting to pay my bill, I called back. After I told the receptionist my name and asked for the supervisor she started laughing and put me on hold. Many minutes later Carmen came on the line and acted real concerned. I had already set up an amount to pay with the first guy and when Carmen got involved the amount went up drastically. I told him I couldn’t pay that much and he said I would have to and I would have to pay it within four days. He also said that Key 2 Recovery Inc. wouldn’t accept anything without a secured credit card. The whole time he kept mentioning my employers name. My wife is scared to death and i just want to pay my bill. These people are just bullies.

    5. [anonymous] on June 3, 2015 at 10:54 pm

      I got a collection notice from Key 2 Recovery Inc collecting for DHC Consulting. This debt started off as $17,000. Key 2 Recovery Inc now says I owe almost $30,000.00.

    6. Kimberly on July 14, 2015 at 3:24 pm

      This morning I received a call from my mother. She stated that she had received a call from a man named Issiah with Sullivan University regarding a debt that I owed. That it was very important and a decision had to be made immediately. Naturally I called Issiah back. He did not ask me for any information verifying my identity. He simply went straight into his spill upon me saying what my name was. He proceeded to tell me that I owed a total exceeding the amount of $5000 and that if I did not pay it in full, they would sue me. Issiah spoke down to me during the entire call. He continuously raised his voice, speaking over me and not allowing me to speak. Each time I did get a word in edge wise he told me that I was making excuses and he didn’t want to hear it. Issiah then proceeded to tell me that he had done his research and knew that I owned property listed at my address, so when they sued me there would be something for them to take. I corrected him, explaining that I rent the home at that location, and the only property that was in my name was a car that was quite old and not worth anywhere near $5000. Issiah then told me that I needed to find a place that would give me a loan against the title of my car so that I could make a down payment on my debt. This of course made me laugh, because even if I could find someone that was willing to put a lein on my car, the would not be willing to give me anything for it because it is literally that worthless. Issiah then told me that he had many other suggestions for how I could pay off this bill, beginning with getting another job. He went on to belittle me about the fact that I could not earn enough money to pay my current bills and the amount that he was requesting for this debt. I finally decided to ask Issiah to provide me with itemized proof that I owed this debt that he was contacting me about. After all, we were talking about a debt from over 10 years ago, that I have never previously been contacted about, and that has also not been submitted to any credit reporting agency. So you can understand my confusion as to why I am just now finding out about a debt of this amount that I owe after 10 full years. Issiah then yelled, telling me that if I chose to force him to force Sullivan to provide me with proof of this debt he would not be willing to set up any type of payment plan with me. He would put my account on hold for 7 days while he obtained the proof I was asking. And when he called me back in 7 days I had better be prepared to pay the debt in full at that time during that phone call, or face being sued. Then he hung up on me. At which point I called Sullivan University and was told that they could not give me any information about my account because the debt had been sent to a collection agency. It was not until this time that I learned Issiah didn’t work for Sullivan, but in fact worked for a third party collection agency. The lady I spoke to at Sullivan proceeded to tell me that I was the third phone call that she had received today regarding the manor in which this particular debt collector was handing phone calls. She gave me a number for Key 2 Recovery. Upon calling them back and speaking to someone by the name of Amy I was told that they would provide me with the itemized list that I had requested and that we could work out a payment plan then. I can’t even imagine what that process is going to be like after what I went through today. I want to pay this debt if I owe it, but I cannot afford to pay it in full, or to pay some astronomical figure upfront or a month like I am sure they are going to require. I also do not want to be sued (not that they could get blood from a turnip, but at that point it does nothing other than add to the total). I feel as though this company has to be breaking many of the provisions of the Fair Debt Collection Act, not to mention they are just down right rude!

    7. Erik W. on July 20, 2015 at 10:45 pm

      Key 2 Recovery Inc sends me mail and calls me regarding an alleged debt. Key 2 Recovery Inc repeated a conversation they apparently had with my ex, telling me that I was going to be in contempt of court if I didn’t pay up. Key 2 Recovery Inc told me I would go to jail for six months.

    8. serena berger on April 24, 2017 at 9:13 pm

      I need to find out if key2recovery buys loans for pennies on the dollar? they are unprofessional and rude. this company harasses.

    9. Jenna on December 6, 2018 at 12:53 am

      Key 2 Recovery is trying to collect on a balance in dispute with a university I transferred out of. They called me and left a message on Thursday last week, and before I even had a chance to call them back, they called my church I attend (I question how they knew where I attend church) and left a message for me. The pastors administrative assistant forwarded me a digital copy of the voicemail which included a significant amount of private information that according to FDCPA can not be released without my express permission.

      I called Key 2 Recovery and spoke to a woman who could not provide me any details and was completely unprofessional. I demanded a manager and she hung up on me. I called back and ended up talking to the rep who called and left the message that violates FDCPA and again demanded a manager. Spoke with a manager named Jonathan (not sure if this is his real name) and explained the situation. I inquired about leaving a message on the churches voicemail and he said it was listed as a “possible place of employment”. I explained that I do not work there and they are not to contact that number or any number but my cell again and that if they do I will send a cease and desist. Additionally I asked how he would find the place of worship I attend without trolling my Facebook and that it would require his rep seeing me checking on a public post or creating a fake profile that I somehow let slip and accepted to get that information. This stopped him in his tracks for a solid 30 seconds, so I wouldn’t be surprised if they’re using shady tactics on social media to gather data. I offered to pay the bill if they were willing to settle as the balance’s validity is questionable at best. He said he would talk to the school and get back to me.

      He repeatedly tried to get me to tell him the name of my employer and my email address. I told him he is not legally entitled to any of that information unless I choose to give it to him or it is publicly available which it is not. I reminded him he has my home address and that as of yet I have not received a letter from them regarding the balance and that he has my cell number and that these are the only 2 methods he should be using to contact me.

      I have not heard back yet regarding settlement, I’ll update this after I do.

    10. Tina on March 31, 2021 at 10:58 am

      Repeatedly called me claiming I was in debt collection to a state University that I never attended and had no affiliation or interaction with. All they had was my phone number, told me they sent a letter to an address that I didn’t recognize and have never been associated with. Kept asking how I would like to pay and had to keep repeating they have the wrong person and asked them why this University didn’t share a date of birth or social security number with them so they could track down the right person. Proceeded to ask for my SS# which I told them I would not give them any information over the phone as someone gave them them the wrong phone number. There is no debt collection lein on my credit report and I told them to stop harassing me, will block number and contact police if necessary

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