it’s about more than money.
it’s about the freedom to live without outstanding financial stress.
our core values
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We help everyone involved in the debt recovery process find resolution.
If you’re a client who’s hire us to recover money owed, we’ll partner with you to ensure you find resolution quickly and efficiently, with minimal interruption of your life. We work hard to make the recovery process as easy as possible, even advising you on internal business operations that will help you improve the process of future debt recovery.
If you’re someone who we are working with to pay back money owed, we will use empathy and creative problem solving to help you resolve the issue and get your finances back on track. We even delete the mark from your credit history once your debt is paid.
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From beginning to end, we are transparent every step of the way to ensure you understand the process of debt recovery. There’s no hidden or unexpected fees and we communicate regularly with you so we always have the same information.
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We foster a diverse and inclusive workplace that values the unique perspectives of all our team members. We believe in treating every customer with respect and fairness, regardless of background or circumstance. We are committed to providing equitable solutions that work for everyone involved.
About Key Debt Recovery
Key Debt Recovery exists to make past-due A/R simple, compliant, and predictable. We’re a collections partner built for busy operators who can’t afford brand damage, compliance risk, or endless status chasing. From the first placement to final resolution, you get one accountable team that tailors cadence, tone, and settlement authority to your goals—whether the claim is commercial or consumer, a single account or a full portfolio.
Evidence-Based Process, Transparent Reporting
Our approach is evidence-based and transparency-first. We start with fast onboarding and documentation review, validate compliance against federal and state rules, then enrich files with in-house skip tracing to boost right-party contact. Outreach is respectful and assertive across approved channels, with clear activity logs, line-item remittance, and 30/60/90-day checkpoints. When pre-legal efforts are exhausted and the numbers support it, we present an ROI-driven legal recommendation for your approval—no surprises, ever.
Smart Legal Escalation, One Liaison
We coordinate with licensed debt-collection attorneys in the correct jurisdiction when litigation makes economic sense—especially helpful when clients and debtors sit in different states. You stay focused on your business while we act as your single liaison with counsel, sharing timely updates through judgment and enforcement options where permitted by law. No upfront fees on contingency placements (terms vary by state and account type). Key Debt Recovery is not a law firm; legal services are provided by independent, licensed counsel.
Available across the U.S. and Canada
Wherever your accounts sit, we work cases across all 50 U.S. states and throughout Canada, aligning outreach and legal coordination with state and provincial requirements. Cross-state or cross-border matters are managed through our partner network of licensed debt-collection attorneys, while you keep one KDR point of contact for placement, reporting, and remittance. Same process, same dashboards, same accountability—applied to the correct jurisdiction every time. KDR is not a law firm; legal services are provided by independent, licensed counsel.