Who Called From 407-613-2360?
Short answer: 407-613-2360 is a number used by Key Debt Recovery, Inc. (Key Debt Recovery, Inc.), a third-party collection agency based in Orlando, FL — nyc department of consumer and worker protection (dcwp) debt-collection license 2129411-dcwp on file, address of record in orlando, fl. They are almost certainly trying to collect a debt, most often consumer loans. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 407-613-2360?
The number 407-613-2360 is used by Key Debt Recovery, Inc. (nyc department of consumer and worker protection (dcwp) debt-collection license 2129411-dcwp on file, address of record in orlando, fl), a third-party collection agency in Orlando, FL. For the full company profile — ownership, history, and known aliases — see our complete Key Debt Recovery, Inc. guide. This page focuses on the calls coming from 407-613-2360 specifically.
About this specific number
- 📞 Number: 407-613-2360 (area code 407, ending in 2360)
- 📍 Line type: Direct-dial — resolves to the 407 area code.
- 🏢 Operator: Key Debt Recovery, Inc., a third-party collection agency in Orlando, FL.
- 🔢 Related lines: Key Debt Recovery, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
407-613-2360 is a direct-dial number tied to the 407 area code, which is why the call may have appeared "local" on your caller ID even though Key Debt Recovery, Inc. operates out of Orlando, FL.
Some carriers display 407-613-2360 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Key Debt Recovery, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: Key Debt Recovery, Inc., KDRI.
Why Is Key Debt Recovery, Inc. Calling Me From 407-613-2360?
In our directory, 407-613-2360 is tracked as a nyc department of consumer and worker protection (dcwp) debt-collection license 2129411-dcwp on file, address of record in orlando, fl for Key Debt Recovery, Inc., which typically collects consumer loans, charged-off retail accounts. A call from 407-613-2360 usually happens because:
- ✅ An original account (a consumer loans, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Key Debt Recovery, Inc. to collect on behalf of the original creditor.
- ✅ Key Debt Recovery, Inc. is now dialing you from 407-613-2360 and possibly other lines to reach a resolution.
Calls from 407-613-2360 often come right after a billing cycle closes. Some people report that 407-613-2360 calls once and hangs up, then tries again from a different Key Debt Recovery, Inc. line hours later. A single missed call is not proof of a valid debt. When 407-613-2360 shows up on your caller ID, it is worth checking whether the Key Debt Recovery, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Key Debt Recovery, Inc. prove the consumer loans in writing first.
Important: a phone call — even from a real number like 407-613-2360 — does not prove you owe the debt, that the amount is correct, or that Key Debt Recovery, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 407-613-2360
Anything you say to Key Debt Recovery, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 407-613-2360 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Key Debt Recovery, Inc..
Don't agree to a payment on the spot
A single payment to Key Debt Recovery, Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 407-613-2360.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 407-613-2360. Any legitimate Key Debt Recovery, Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 407-613-2360 caller. If it truly is your Key Debt Recovery, Inc. account, they should already have what they need and must prove it.
What To Do If 407-613-2360 Keeps Calling
Here are concrete next steps for this specific Key Debt Recovery, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 407-613-2360 as a contact labeled "Key Debt Recovery, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 407-613-2360 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Key Debt Recovery, Inc. identify the original creditor behind the 407-613-2360 calls and the date the debt was opened.
Your Rights When Key Debt Recovery, Inc. Calls From 407-613-2360
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Key Debt Recovery, Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Key Debt Recovery, Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 407-613-2360: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Key Debt Recovery, Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Key Debt Recovery, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Key Debt Recovery, Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 407-613-2360
We investigate the specific Key Debt Recovery, Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Key Debt Recovery, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Key Debt Recovery, Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
407-613-2360 — Frequently Asked Questions
Who is calling me from 407-613-2360?
407-613-2360 is a direct-dial line associated with Key Debt Recovery, Inc. (also seen as Key Debt Recovery, Inc.), a third-party collection agency headquartered in Orlando, FL. The number resolves to the 407 area code. If you received a call from 407-613-2360 — often showing the last four digits 2360 on your screen — it is very likely Key Debt Recovery, Inc. attempting to reach you about a debt they say you owe, most often consumer loans, charged-off retail accounts.
Is 407-613-2360 a scam number?
Key Debt Recovery, Inc. is a real, registered company, and 407-613-2360 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Key Debt Recovery, Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 407-613-2360?
You are not legally required to answer 407-613-2360 or call Key Debt Recovery, Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Key Debt Recovery, Inc. must pause collection until it mails you proof of the debt.
Why is Key Debt Recovery, Inc. calling me about consumer loans?
A call from 407-613-2360 usually means an original consumer loans went unpaid and was placed with Key Debt Recovery, Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Key Debt Recovery, Inc. from calling 407-613-2360?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Key Debt Recovery, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 407-613-2360 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Key Debt Recovery, Inc. is calling about?
Do not pay anything based on a call from 407-613-2360 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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