Our Process: From Placement to Resolution
Simple, compliant, and predictable—one accountable team from first contact to final resolution.
Simple, Compliant, End-to-End Collections
Key Debt Recovery makes debt collection simple, compliant, and predictable from the first placement to final resolution. We handle the day-to-day work—verification, in-house skip tracing, and assertive, multi-channel outreach—while protecting your brand and meeting federal and state requirements at every step. Whether your claim is commercial or consumer, single account or portfolio, we tailor cadence, tone, and settlement authority to your goals. When pre-legal efforts are exhausted and the numbers support it, we coordinate with licensed debt-collection attorneys in the correct jurisdiction to move a case forward—especially helpful when the client and debtor sit in different states. You get one accountable team, clear updates, and no hourly fees if we have to use our legal partners (terms vary by state and account type). KDR is not a law firm; legal services are provided by independent, licensed counsel.
Evidence-Based Outreach, ROI-Driven Escalation
Our process is built around decisive checkpoints and transparent reporting. We start with fast onboarding and documentation review, validate compliance, enrich the file with current contact data, then execute an evidence-based outreach plan to secure payment in full, structured plans, or negotiated settlements. Funds are reconciled and remitted with line-item accountability. At 30/60/90-day milestones, we review performance and—only when it makes economic sense—present an ROI-driven legal recommendation for your approval. If litigation proceeds, KDR acts as your single liaison with counsel, sharing copies of filings and ensuring timely status updates through judgment and enforcement options where allowed by state law. At closeout, you receive a clear summary of outcomes and insights to improve future credit decisions.
Our Process: From Placement to Resolution
We make debt recovery simple, compliant, and predictable. Key Debt Recovery handles the day-to-day outreach and negotiation, and—when a file truly warrants it—we coordinate with licensed debt collection law firms in the correct jurisdiction. You get one accountable team, clear updates, and a process designed to maximize recovery while protecting your brand and relationships.
What You Can Expect
• Fast onboarding: digital placement form or secure file upload (CSV/API).
• Compliance first: FDCPA-aligned workflows and state-specific rules.
• In-house skip tracing: better right-party contact and accurate info.
• Respectful, assertive outreach: multi-channel, consent-based communication.
• Transparent options: settlements, payment plans, and documented agreements.
• Attorney coordination when needed: litigation via licensed partners, with KDR as your liaison.
• Clear reporting: status updates and recovery summaries you can actually use.
• No upfront fees on contingency placements (terms vary by state and account type).
FAQs
Why work with Key Debt Recovery?
Because you need past-due cash recovered without burning staff time, risking compliance, or damaging customer relationships. We handle skip tracing and compliant, assertive outreach, keep you clearly updated, remit funds with line-item detail, and—only when the ROI makes sense—coordinate with licensed attorneys in the right state; no upfront fees on contingency placements (terms vary).
Do you charge upfront fees?
No upfront fees on contingency placements. Terms and rates vary by state and account type.
Are you a law firm?
No. KDR is not a law firm and does not provide legal advice. When appropriate, we coordinate with independent, licensed debt collection attorneys in the correct jurisdiction.
How do you decide whether to recommend litigation?
We look at balance size, documentation, venue, statute-of-limitations posture, asset/employment indicators, anticipated costs, and probability of recovery. You make the final call.
Can you handle cross-state matters?
Yes. Your customer and their debtor may be in different states; we bridge that gap through our nationwide attorney partnerships and act as your single point of contact.
How Our Process Works
A simple, compliant path from placement to resolution. We start with fast onboarding and validation, enrich each file to boost right-party contact, then run respectful, assertive outreach across approved channels. You get clear updates and 30/60/90-day checkpoints; and only when the economics warrant it—always with your approval—we coordinate with licensed attorneys in the correct state.
Step 1 — Onboarding & Account Placement
Tell us about the claim, share supporting documents, and choose your preferences (communication cadence, settlement authority, payment plan options). We accept single accounts or portfolios, and we’ll set up your reporting rhythm from day one.
What helps us move fast
• Signed contract/terms, invoices or statements, work orders/POs, proof of delivery/service, prior correspondence, and any promised-to-pay notes.
• For consumer matters, any disputes or cease-communication requests received to date.
Step 2 — Compliance & Validation
We validate the file, check for red flags (bankruptcy, active disputes, potential identity theft), and align the workflow with federal and applicable state requirements. Consumers receive required disclosures; we log and honor consent and opt-outs.
Key safeguards
• FDCPA-aligned disclosures and timing windows
• State-specific content/venue rules
• Clear documentation trail for every contact and agreement
Step 3 — Data Enrichment & Skip Tracing
Our team enhances the file with current contact data and context (addresses, phones, emails, employment indicators, and other lawful signals). Better data means higher right-party contact rates and fewer dead ends.
Step 4 — Strategy Setup (Channel, Cadence, Tone)
We tailor outreach by claim type (commercial vs. consumer), balance size, age, and risk. You set your guardrails; we propose the sequence.
Typical channels: Phone (human-led), email, SMS (where permitted and consented), and mailed notices.
Step 5 — Outreach, Negotiation & Resolution
We contact the responsible party respectfully, verify details, and assertively work toward resolution: payment in full, structured plans, or settlements within your authority. Every agreement is documented and confirmed.
If a consumer disputes the debt: we follow the dispute process and pause collection activity as required.
Step 6 — Payment Processing & Remittance
We facilitate compliant payment options and issue confirmations. Funds are reconciled and remitted per your agreement, with line-item reporting for your A/R team.
Step 7 — Reporting & Communication
You’ll always know where your accounts stand. Key Debt Recovery maintains detailed activity logs and offers clear, on-demand reporting—so you can check progress whenever it matters most. Whether you prefer quick snapshots or deeper performance reviews, we tailor communication to your needs.
What you can expect:
• Real-time notes on outreach, contact results, and payment activity
• Settlement and payment-plan status updates with full documentation
• Periodic or on-request summaries that highlight results and next steps
Transparent communication is built into every stage of our process—so you stay informed without having to chase updates.
Step 8 — Review Milestones (30/60/90 Days)
At defined checkpoints, we evaluate performance by segment and recommend next steps: continue active work, pause/return, or consider legal escalation only when the economics make sense.
We consider
• Balance and age, venue, statute-of-limitations posture
• Evidentiary support (docs), prior communications and disputes
• Asset and employment indicators, likelihood of recovery
Step 9 — When Legal Action Makes Sense (Via Partner Attorneys)
KDR is not a law firm. When pre-legal efforts are exhausted and the numbers support it, we coordinate with a licensed debt collection attorney in the correct state to review and, if appropriate, file.
How this works
1. ROI & viability review: We present a recommendation (costs, venue, probability).
2. Your approval: No suit is filed without your written authorization.
3. Attorney engagement: Once approved, KDR assigns the claim to a licensed attorney within our partner network; legal services are performed by the independent, licensed law firm.
4. Single point of contact: We act as your liaison—sharing timely updates, copies of filings and orders, and ensuring status reports arrive on a reliable cadence.
5. Typical outcomes: Most cases result in default judgment or negotiated resolution, followed by post-judgment enforcement efforts such as bank levies, liens, or other remedies allowed by state law.
Goal: you get court-ready action without chasing attorneys for updates.
Step 10 — Judgment Enforcement & Post-Judgment Options
Where permitted by state law and under attorney direction, options may include liens, garnishment, bank levies, or other remedies. We support asset location signals and coordination; the law firm handles court filings and compliance.
Step 11 — Closeout, Reporting & Continuous Improvement
We close the loop with a final report (recoveries, settlements, recommendations). Returned or uncollectible files are summarized with reasons so you can improve credit controls and contract language going forward.
Timelines at a Glance (Typical)
• Day 0–1: Account placement + compliance checks
• Day 1–3: Skip tracing + strategy setup
• Day1–10: First contact attempts across channels
• Days 10–30: Active negotiations and payment arrangements
• Days 30/60/90: Milestone reviews; legal viability assessment if warranted
(Actual timelines vary by claim type, documentation, venue, , and debtor responsiveness.)
What We Need From You
• Clear documentation (invoices, contracts, delivery/service proof)
• Your settlement/discount authority and payment plan rules
• Preferred update cadence and point of contact
What We Don’t Do
• Harassment, misrepresentation, or non-compliant communication
• Filing lawsuits without your written approval
• One-size-fits-all tactics that risk your brand
Ready to Recover What You’re Owed?
Put your past-due accounts to work today with a simple, compliant process and one accountable team. We’ll handle skip tracing, respectful multichannel outreach, clear reporting, and—only when the economics warrant it—coordination with licensed attorneys in the correct state.