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Credit & Debt Collection Agency
Why Businesses and Doctors select us?
Our Online Ratings
We are the highest-rated credit collection agency, with nearly half of our reviews coming directly from the individuals we assist. They’re often surprised by how easy and respectful the process is. Our collaborative approach ensures not only high recovery rates but also protects your valuable reputation. Our BBB rating is A+.
We’ve got you covered
Licensed, bonded, and insured in all 50 states and Puerto Rico, we are fully compliant with all the Federal and State laws including FDCPA, HIPAA, GLBA, TCPA, and SSAE 18 SOC 1 Type 2 data security standards. Our bilingual teams offer expertise in both English and Spanish, providing effective credit collection services for both commercial and consumer accounts.
OUR GUARANTEE: We promise to minimally collect 2 times your purchase price if all accounts purchased under our agreement are entered and processed through our Connect phase as instructed by Kinum and our representative, or we will refund the entire purchase price or the difference, if any, between what was collected in Connect and twice what was paid to use for the Connect service.
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Success Rate and Fees:
Our recovery rates significantly surpass those of the average credit collection agency. We offer a comprehensive, cost-effective solution with tiered services:
- Fixed-Fee Pre-Collections: A proactive approach to minimize bad debt with five first-party notices and calls. Account is technically not in collections yet. Debtor is given a final chance to pay, else his account will be forwarded to Kinum collection agency, Step (2) or (3).
- Fixed-Fee Third-Party Collections: Escalated recovery efforts with five collection demands sent on Kinum Collection Agency’s letter head. Debtor is far more likely to pay because now a collection agency is officially involved. Step (1) and (2) are usually tax-deductible as a business expense.
- Contingency-Fee Third-Party Collections: A performance-based option for difficult and older accounts. No recovery means No-fee.
- Legal Collections: A last resort, reserved for the most challenging cases.
Contact us, and we will guide you which service is the best for you. Our services also include complimentary bankruptcy screening, credit bureau reporting, change of address verification, and litigious debtor checks. There are no onboarding or hidden fees associated with our credit collection services.
Technology and Resources
We are a modern collection agency, equipped with the latest tools and technology to streamline the recovery process for faster, better results. Our user-friendly online client portal makes submitting, managing, and tracking your accounts as easy as online banking. We’re committed to excellence, hiring only the most experienced and skilled debt collectors in the industry.
Communication and Transparency
Open communication is essential to a successful partnership. At Kinum, we prioritize clear and consistent dialogue. Your dedicated Account Representative is always available to address your questions or provide training on our client portal. For additional support, our Central Client Support team can be reached at (888) 471-0280 x 4.