have no idea who these people are but anything that is over 5 years can go kiss a butt they have been charged off and they need to just leave me the heck alone

http://keyfinancial.us/
Privacy Statement
Key Financial Services, LLC may collect personal data on persons visiting this website. If you choose to contact us through e-mail or by submitting forms through US Mail, the information you provide will only be used by Key Financial Services, LLC for the purpose of responding to your requests. Some of your information may then be stored by the company and shared with third parties only to the extent necessary to properly respond to your request. Your information will not be sold to any other third parties.

This is a communication from a debt collector. We are attempting to collect a debt and information obtained will be used for that purpose.
Contact Us
Business Office Hours:8 am-5 pm M-F CST

And for Consumers, agents are available to take your call after hours:
Till 9 pm M-THR CST and 6:30 pm F CST

P.O. Box 6216
Madison, WI 53716

Business Phone 888-790-3224
Consumer Phone 877-495-6304
Fax 608.442.7038

Privacy Statement
Key Financial Services, LLC may collect personal data on persons visiting this website. If you choose to contact us through e-mail or by submitting forms through US Mail, the information you provide will only be used by Key Financial Services, LLC for the purpose of responding to your requests. Some of your information may then be stored by the company and shared with third parties only to the extent necessary to properly respond to your request. Your information will not be sold to any other third parties.

This is a communication from a debt collector. We are attempting to collect a debt and information obtained will be used for that purpose.
Contact Us
Business Office Hours:8 am-5 pm M-F CST

And for Consumers, agents are available to take your call after hours:
Till 9 pm M-THR CST and 6:30 pm F CST

P.O. Box 6216
Madison, WI 53716

Business Phone 888-790-3224
Consumer Phone 877-495-6304
Fax 608.442.7038

This person is asking for Philip.  Told her I dont know any Philip and she just hanged up.

I got a call from 877-495-6304 would not give a company name, Amanda, and she is not
a telemarketer....

First person passed on recorded message asking to call Ryan - no company or reason

i just got a phone call from this number. said it was a dan.

It is a collection agency

I got a call asking for Kevin. and then Asking for kevins phone number. I dont know anyone named kevin

no they aren't, if they do they voilate the persons privacy and tell everyone they are in debt. They can get in trouble for that. I studied business law.

I have gotten a few of these calls each time I ask for the company name and they refused to give it to me. I told them they have to by law after being asked they told me no we dont! I have also told them they are calling my cell phone and its the wrong number, they keep saying they will stop calling and never do. This last time they hung up on me refusing to give me the company name! So anyone looking to stop these harassing calls  CALL THE DEPARTMENT OF FINANCE thru the attorney generals office, I got the closest one to me which is in Rockford the number is 608-264-7969. They told me what I already knew that if requested the company by law has to give u the name, and they are going to send me papers to fill out for harassment and they will then follow up w/the company to make them stop! :) and the company name is KEY FINANCIAL SERVICES-they are rude a'holes who obviously dont want to follow the law!

DONT LET THEM GET AWAY WITH THIS ANYMORE, FILE HARASSMENT PAPERS AGAINST THEM-PLEASE!!

They just called me too and asked for me by name....have never done business with this company!
http://keyfinancial.us/

This number is debt collection agency. Key Financial Services. I was getting the same calls as everone else. When I finally spoke to them, they were very nice told me who they were and why they were calling. They wanted to clear up debt I had in collections and made a payment plan with me.

Have been getting regular calls from them as well. Loving the new smartphone age -dowloaded a call blocker that, after you add a number to the list, picks up and hangs up on your designated numbers.

Wonder how they like that?

I have received several phone calls from these people. I hesitate to return the call because they refuse to identify who they are in the message, just that it is not a telemarketer, and that the matter is now extremely urgent and they will be forced to take drastic action. If I knew who they were, I would feel better about returning the call. There are so many scams out there right now, that I'm not sure what to do.

My call was like everyone elses.Ryan left a message asking that I return his call at 877-495-6304 EXT.101 .He left no company name, or what the call was in reference to.I did return the call but it was on a Sunday and they were closed.I was puzzled by the call so I googled the Phone # and that's how I got here.I didn't know whothey were until I got to this web sight

Key Financial Service
5315 Wall Street, # 170,
Madison, WI 53718
http://keyfinancial.us

(608) 442-7035
(608) 442-7038 Fax
(877) 495-6304 Toll Free

Send them this cease communication letter VIA certified mail and request a return receipt. Keep copies of everything you send. If they continue calling after you have proof they received it, you can sue them for FDCPA and TCPA violations:

Date

Your Name
Mailing Address
Your City, State, Zip

Re: Notice to Cease Contact Regarding Debt for ______________________

Name of Collection Agency
Mailing Address
City, State, Zip

VIA CERTIFIED MAIL

I am notifying you in writing that your agency has contacted me regarding a debt for [name of person who collector is contacting you about]. No one by that name lives at my address or phone number.

Therefore, I am requesting that you cease all communication to my phone number regarding this person's debt. If you persist in believing that [name of person] is somehow connected with my address and/or phone number, please provide proof of your claim.

You should direct all future correspondence in writing as outlined in the Fair Debt Collection Practices Act (FDCPA) and to cease all communication with me by telephone.

Lastly, I would like to receive confirmation in writing that you have received this letter and will no longer be contacting me about this other person's debt, or I will be forced to seek further legal action.

I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].


Sincerely,

_______________
(Signature)


Your Name

http://www.privacyrights.org/Letters/debt6.htm

Under the TCPA, a consumer has a right to file a lawsuit and recover $500 for each call that violates the TCPA. The TCPA can also be used in conjunction with the Fair Debt Collection Practices Act in some situations.  

Generally, the TCPA does not apply to debt collectors making collection calls to debtors. However, if you are subjected to calls from a debt collector and you are not the debtor, you may file a lawsuit against the debt collector under the Fair Debt Collection Practices Act (FDCPA) and the TCPA.

This right was recently recognized by Judge Legrome D. Davis in a case called Watson v. NCO Group, Inc.  NCO Group is a debt collector that uses automated prerecorded collection calls.  In this case, Mr. Watson alleged he was getting hundreds of calls from NCO Group after he got a new phone number. Mr. Watson claimed he owed no debt to NCO Group, Inc.  Mr. Watson filed suit under both the FDCPA and TCPA.

David Israel, defense lawyer for NCO, argued that the TCPA should not apply to debt collectors.  Judge Davis rejected the argument made by David Israel. The judge ruled that Mr. Watson had a right to sue NCO Group Inc under the TCPA for $500 for each call.  Judge Davis wrote;

[The] Court is convinced that a non-debtor's rights are in fact violated when he is subjected to repeated annoying and abusive debt collection calls that he remains powerless to stop.

Judge Davis' ruling was based upon his interpretation that collection calls to non-debtors violate the privacy rights provided by the TCPA.  

So what can you do if you receive "wrong number" calls from debt collectors?

1. Sign up for the Do-Not-Call registry.
2. Save the calls captured by your voice mail or answering machine.
3. Contact a consumer lawyer.

http://consumerlawyer.typepad.com/blog/2008/02/the-do-not-call.html

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.

Have called thirty times and won't say who they are or what company they work for. I have politely asked not to call my number any more. The person they want isn't even at this number.
They are total jerks. I ask for a supervisor and they hang up. I tell them not to call and they still call.

this person call asking for some one but not nice person, said that was keys something...

Called and left message to call back 'Paula'. I called back and blocked my number. Somebody named Judy answered after I was on hold and I asked her what the name of her company was, and she said if I give her my phone number that she would look it up and see if I was the person they were trying to get hold of, and if not, they would take me out of their database. I again asked for the name of the company and she said we are a private company. I said what is the name of your company and she again said we are a private company and if I gave you the name of the company you would then know what are business is and I said so, you won't give me the name of your company? And she said no, we are a private company. I then said well I think what you are doing is really shady and I'm going to report you. I then hung up on her!

Daniel just called and left a message. Just said it was very important and he was not a telemarketer.  Looked the number up on google.  It was Key Financial.

Same as everybody else...
Daniel left a message asking me to return the call (877-495-6304), making sure to use the reference number he left.  When I called, the person who answered would not identify the business and said, "we handle personal matters."  She asked for my last name, but I did not give it to her.  I thanked her and ended the call.

Left a message stating that this is Judy and to call her back.  Didn't leave a company name.  They also called my parents cell phone number looking for me and all they would tell my mom was to have me call Judy and gave her the number.  When my mom asked who the company was, all she would say it was a "business matter".  I'm not calling anyone back who cannot tell me what company they are with when leaving a message.

Called and left a message. He talked as though he knew me and said 'Hi *****, this is Daniel, give me a call back, 1-877-495-6304, thanks'  Yeah right! I even said to my boyfriend how he made it sound like he knew me and then let him listen and he agreed.

Just so everyone knows, businesses, even collection companies are bound by law to state the name of the company their with as well as the nature of their call.

They called me and told me they were an Employer.His name was ALLEN

Same thing - left message with name and number.  Didn't identify company.
In case anyone's wondering, it's Key Financial Services, a collection agency.

I just got the same call with no reason or who it was.... Katie was the name.

Someone by the name Katie called and left a message but never identified herself, her business or her reasons.