Replace traditional collections with cost-effective connections
Kinum’s two-phase collection system is built for speed, compliance, and clarity.
Benefits of working with Kinum
Collect more money in less time
Customers connect back to you
Relieve your staff of in-house debt collection measures
Become a Partner Rep
The Kinum Debt Collection Process
Unlike the average debt collection agency, our comprehensive approach takes the burden of accounts receivable collection off of your office staff and collects more efficiently with gentle but effective reminders.
A Third Party Collection Agency for any Industry
Higher Education
Unpaid tuition and housing balances can disrupt budgets and limit re-enrollment. Kinum’s higher education collections help colleges, universities, and career schools recover more of what they’re owed while supporting student retention and re-enrollment and keeping administrative teams focused on serving students.
Healthcare
For hospitals, clinics, and multi-specialty groups, chasing overdue balances pulls staff away from patient care. Kinum’s healthcare collection services bring structure and efficiency to your revenue cycle, improving recovery while maintaining clear, professional communication with patients.
Public Sector & Utilities
Government agencies and utility providers must balance effective recovery with public trust. Kinum’s structured, compliant process helps cities, counties, and service providers recover unpaid balances while minimizing staff workload and maintaining clear, professional communication with residents.
Hospitality & Service Industries
Hotels, clubs, catering teams, and service-based businesses rely on timely payments to manage staffing and daily operations. Kinum’s hospitality collections help resolve overdue balances quickly and professionally, reducing internal follow-up so your team can stay focused on serving guests and clients.
Dental
Dental practices rely on consistent revenue to support staff, equipment, and ongoing care. Kinum’s dental collection services help recover unpaid patient balances with a patient-friendly approach that reduces office follow-up time and keeps your schedule and revenue on track.
Business to Business
In B2B relationships, unpaid invoices tie up working capital and complicate long-term partnerships. Kinum’s commercial collections help businesses recover overdue balances quickly and professionally, improving cash flow while allowing your team to stay focused on growth, not collections.
Professional Services
Professional service firms depend on timely payments to keep operations running smoothly. Kinum’s collection services help accounting practices, law firms, consultants, and financial institutions recover overdue invoices efficiently, reducing administrative follow-up and protecting long-term client relationships.
Ready to Improve Your Cash Flow?
Let’s discuss how Kinum’s two-phase system can help your organization recover more revenue while reducing internal workload.
Testimonials
Ann Meredith was very kind, understanding, and professional. She has been the very best debt collector who was able to come up with a solution for me in my difficult time. Thank you
Bit of a different review I’m sure but kinum called me to collect a debt a while back and I’m happy to say it’s finally paid off!
Jeremy helped me out with a payment plan that worked for me and was able to stick to it till the end despite some challenges he remained professional and was able to achieve a great outcome.
Kinum has been such a time saver for us. They are friendly and efficient. Craig Fry has been excellent- he is always a friendly and happy to answer any and all questions you may have. We highly recommend this company for all your collection needs
The collector was very nice and sweet. She was understanding to my situation and we were able to come to an agreement when it comes to paying off my debt. She made sure to call me back after I left a message and I felt good about catching up on my payments by the end of the call.
The collector I spoke with today was extremely professional and helpful in resolving a debt that I knew nothing about. She very clearly explained what the debt was from, explained the balance due, and even informed me of her ability to have the bad debt removed from my credit. All and all, she was extremely pleasant to deal with and I would highly recommend that she be used for other collections!
The collector I talked to was awesome! It is horrible to have to go through not being able to pay your bills especially after a divorce and the bill wasn’t even my responsibility it was my ex-husbands but it was in my name. The gal I worked with was sympathetic to my situation amd was very sweet. These people are just doing their job so next time you get a call from a debt collector don’t be afraid!! They are really nice people at this place!!
Kinum has been great to work with! They’ve collected more for us than any company in the past. Their staged collection process works very well with no patient complaints. They are great communicators both with us and our patients and I highly recommend them.
Great experience! We have two dental offices who use Kinum and it has been a great experience! Especially working with Craig, he has always checked in to make sure things are going smoothly with the process. The website is also user friendly!
Frequently Asked Questions
What does Kinum do, and who is it for?
Kinum helps organizations recover unpaid balances through a two-phase Connect and Collect system. We work with businesses across 140+ industries — including healthcare, dental, education, hospitality, public sector, and professional services — handling both consumer and commercial receivables.
How does Kinum's debt collection process work?
Our process has two phases. The Connect Phase uses low-cost, first-party outreach branded with your organization’s name. If accounts remain unresolved, the Collect Phase applies contingency-based third-party collections. When needed, accounts can also be reviewed by our nationwide attorney network.
Do customers pay Kinum or pay us directly?
Payments are collected on your behalf and remitted to you. You maintain full visibility through the Kinum client portal, with real-time status updates, placement history, and a dedicated account representative.
How much does it cost to use Kinum?
The Connect Phase is a flat per-account fee — typically under $20. The Collect Phase is contingency-based, meaning you only pay when we recover funds. You choose which phase to use, so you’re always in control of costs.
Does Kinum offer Spanish-language collections?
Yes. Kinum has a dedicated Spanish division with bilingual collectors and Spanish-language notices to ensure fair and effective communication with Spanish-speaking consumers.
How do I leave a positive Google Review for Kinum?
You can leave a positive Google Review for Kinum here:
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