debt collection agency florida
Florida thrives on tourism and hospitality from Orlando to Miami and the Keys, international trade and logistics through ports in Miami, Port Everglades, Jacksonville, and Tampa, aerospace and defense on the Space Coast and in Panama City, healthcare and senior services statewide, agriculture and citrus in the heartland, real estate and construction fueling South and Central Florida growth, and financial services in Tampa and Jacksonville. When invoices go unpaid—often with customers in GA, AL, NY, Latin America, or seasonal snowbirds—cash flow gets disrupted fast in the nation’s fastest-growing state.
Key Debt Recovery provides Florida companies a straightforward, compliant route from account placement to recovery. We combine in-house skip tracing with professional, multi-channel contact, transparent reporting, and—only when the numbers justify it—escalation through licensed attorneys in the proper Florida venue. Get paid what you’re owed without damaging relationships or your reputation.
Statewide coverage: Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, St. Petersburg, Naples, Sarasota, Tallahassee, Pensacola, Palm Beach, Fort Myers, Gainesville, Daytona Beach, Melbourne, Ocala, Lakeland, Boca Raton, and beyond.
Why florida Businesses Choose Us
Key Debt Recovery delivers Florida companies a compliant, efficient, and results-focused recovery process—keeping your brand intact while turning aged receivables back into working capital.
• Florida-savvy: We know theme-park vendor cycles, cruise-line and port drayage terms, condo/HOA dues, seasonal tourism billing, citrus and ag ship-and-debit, construction progress draws, aerospace milestone payments, and healthcare reimbursement delays.
• Brand-safe collections: Professional, respectful communication that meets Florida’s strong consumer-protection standards.
• Evidence-based decisions: 30/60/90-day reviews and ROI analysis—no unnecessary litigation.
• Hands-on execution: One dedicated team that actually advances your files.
Service Areas (Statewide Coverage)
South Florida & Miami Metro: Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Coral Springs, Hollywood, Pompano Beach, Miami Beach
Central Florida & Orlando: Orlando, Kissimmee, Lakeland, Winter Haven, Ocala, Daytona Beach
Tampa Bay & Gulf Coast: Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Naples, Fort Myers
Northeast Florida: Jacksonville, St. Augustine, Ponte Vedra, Amelia Island
Space Coast & Treasure Coast: Melbourne, Palm Bay, Titusville, Vero Beach, Port St. Lucie
Panhandle & Emerald Coast: Pensacola, Panama City, Destin, Tallahassee
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Florida collections, customized to your portfolio. In-house skip tracing, professional outreach, and real-time updates—from the Space Coast to the Keys.
Debt Collection Agency florida: Our Process from Placement to Resolution
One accountable team—from first contact to final outcome.
1. Submit an Account
Secure upload/API; we review contracts, invoices, POs/work orders, PODs, and prior correspondence.
2. Compliance & Validation
FDCPA-aligned workflows and state-specific rules where applicable; we honor consent/opt-outs and manage disputes properly.
3. In-House Skip Tracing & Data Enrichment
Fresh contact data (addresses, phones, emails, lawful indicators) to improve right-party contact.
4. Respectful, Assertive Outreach
Human-led phone, email, and SMS (where permitted/consented), with cadence and tone matched to claim type (commercial/consumer), balance, and risk.
5. Negotiation & Resolution
Payment in full, structured plans, or settlements within your authority—every agreement documented.
6. Clear Reporting & Remittance
Line-item reconciliation and status updates you can act on; no chasing for answers.
7. Attorney Coordination (When It Makes Sense)
If pre-legal efforts are exhausted and the economics support it—and only with your written approval—we coordinate with licensed debt-collection counsel in the correct Florida venue (or the appropriate state for cross-border files).
KDR is not a law firm; legal services are provided by independent, licensed counsel.
Debt Collection Agency florida FAQs | Key Debt Recovery
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Yes. Workflows and compliance differ; we tailor cadence, documentation, and tone accordingly.
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Only if the file warrants it and you approve in writing. When litigation is appropriate, we coordinate with licensed Florida attorneys (or the correct state for cross-border matters). KDR is not a law firm.
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Contracts/terms, invoices or statements, POs/work orders, proof of delivery/service, prior correspondence, and any promised-to-pay notes or disputes.
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Placement/validation typically begin within 1 business day, with first contact attempts shortly thereafter, followed by clear 30/60/90-day reviews.
In Florida, written contracts carry a strong five-year statute of limitations (§ 95.11(2)(b), Fla. Stat.), while oral contracts and open accounts are limited to four years. This gives Florida businesses a solid but not unlimited window to pursue commercial and consumer debts—especially important in a state with high seasonal and transient populations. Florida’s own Consumer Collection Practices Act (Part VI of Ch. 559) adds stricter rules than the federal FDCPA in many areas (e.g., no calls before 8 a.m. or after 8 p.m., broader prohibition on harassment), making a compliant, Florida-savvy partner like Key Debt Recovery essential for effective, lawsuit-resistant collections.
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Ready to Recover What You’re Owed in florida?
Give your overdue accounts a Florida-smart recovery process that’s straightforward, fully compliant, and built for maximum return. From Miami’s international trade and logistics giants to Orlando’s tourism and hospitality leaders, Tampa’s financial services, Jacksonville’s ports, the Space Coast’s aerospace contractors, and citrus growers in the heartland, our team delivers rapid onboarding, thorough documentation review, in-house skip tracing for higher contact rates, and professional multi-channel outreach customized to your accounts. You receive transparent updates, scheduled 30/60/90-day checkpoints, and—only when it’s financially justified—an ROI-based recommendation for legal escalation through licensed Florida counsel. One dedicated team oversees every step from placement to resolution, safeguarding your brand while converting balances into payments, plans, or settlements. Start a placement today and see exactly where your recovery stands.