The Fair Debt Collection Practices Act, or FDCPA, regulates the activities of third-party collection agencies. It has specifies when and how debt collectors may contact you, and has made tactics like those below punishable by law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the activities of third-party collection agencies. It specifies when and how debt collectors may contact you, and has made tactics like those below punishable by law.
- Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone
- Demanding payment for a debt discharged in bankruptcy
- Failing to send a debt validation letter within five days of first contacting you
- Claiming that you can go to jail for not paying a debt
- Trying to collect when you refuse to pay
- Refusing to provide you with information about the debt upon request
Company Profile: Key 2 Recovery, Inc.
If you are being called by Key 2 Recovery, Inc., here is a general company background.
Key 2 Recovery, Inc. is a collection agency located in West Chester, Ohio. It opened for business in 2010, has 28 employees, and is managed by CEO Doug Plummer.
The PACER website contains litigation records confirming that consumers who believed that they were being harassed by Key 2 Recovery, Inc. refused to pay debts they couldn’t afford or didn’t owe.
Alleged Violations against Key 2 Recovery, Inc.
According to PACER, on or around August 2012, Key 2 Recovery, Inc. began contacting a Kentucky consumer to collect a debt allegedly owed to a university. During the first conversation, the caller allegedly told him that the agency was entitled to collect a large amount of collection fees in addition to the tuition bill.
This discussion was allegedly followed by multiple calls to his workplace, although he requested the company to stop calling him there.
Feeling harassed by Key 2 Recovery, Inc., the consumer filed an FDCPA lawsuit against the company for allegedly:
- Calling at work although such calls were prohibited by the employer
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Seeing either of them on your caller ID means that you are being called by Key 2 Recovery, Inc. If they keep calling you at work despite being asked to stop, fight back by hiring a consumer lawyer and filing a claim against Key 2 Recovery, Inc.
You could receive $1,000 in statutory damages plus coverage of your reasonable legal fees, so take a stand when a collection agency forgets the law.
Case taken from PACER (pacer.gov). File number is Case: 7:12-cv-00130-ART from the United States District Court for the Eastern District of Kentucky, Pikeville Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Key 2 Recovery, Inc. or any other third-party collection agency, you may not be entitled to any compensation.