A people-first collections partner built for performance, clarity, and trust.

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Kinum was founded on a simple belief: collections should work better for businesses, consumers, and the people managing receivables every day. After years within large national agencies, our founders saw how traditional, high-pressure models damaged relationships, created inefficiencies, and left clients frustrated by low recovery rates and high fees. 

In 2012, they set out to build something different: a collections partner grounded in respect, transparency, and effective processes that help organizations recover more while protecting their reputation.

At the heart of our name is our philosophy

The name Kinum comes from combining Kin (family) and Num (numbers). It is a reminder that people come first.

Our work involves balances, accounts, and receivables, our approach is centered on treating every consumer with dignity and clarity. This keeps communication constructive, reduces disputes, and leads to better outcomes for everyone.

Get Started

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"We haven't earned a client's trust when they sign up for our services. We've earned it when they renew."

How Kinum Helps Organizations Recover More

Kinum provides a modern two-phase connect-and-collect system designed to help organizations recover revenue early, efficiently, and with minimal administrative burden.

Our approach allows businesses, medical practices, schools, and service organizations to:

Improve recovery rates

Reduce staff workload

Stay organized and consistent in outreach

Maintain customer and patient relationships

Control costs through flat-fee and contingency options

Clients choose which accounts to place and when, giving them full visibility and flexibility throughout the process.

The Kinum Model: Our Three Core Principles

People First

Collections is fundamentally a people business.

We hire and retain talented representatives, invest in ongoing training, and create a work environment where respect is built into every interaction. Our agents represent your organization professionally and ethically.

This commitment leads to stronger communication, better outcomes, and a collection process clients feel confident putting their name behind.

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The Ramirez Family Peace of Mind with Comprehensive Coverage

Proven, Efficient Systems

Kinum offers a complete, scalable collection system that maximizes recovery while keeping you in control.

First-party outreach through low-cost Connect phase
Third-party collections through our U.S.-based representatives
Legal escalation when appropriate through our national attorney network

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Continuous Improvement

The collections industry is constantly evolving, with regulations, shifting standards, & emerging technology always in play. Growth isn’t optional; it’s required.

Tracking regulatory changes and updating our policies, training, and procedures accordingly
Adapting to evolving industry standards and best practices across the markets we serve
Evaluating and implementing new technology that improves efficiency, transparency, and results

We don't treat our process as "finished." We keep adjusting so our clients benefit from what works best now not what worked five years ago.

Our Commitment to Clients

Kinum exists to help organizations recover more revenue while maintaining the trust of the people they serve. Whether we're supporting medical practices, educational institutions, professional services, commercial businesses, or small local organizations, our goal is the same:

Deliver exceptional results with integrity, respect, and transparency. The emphasis we place on our team, our clients, and the consumers we communicate with leads to higher recovery rates, fewer complaints, and long-term partnerships built on mutual trust.

Antwan Chisley

Ann M is great person and helped me out with understanding my situation and getting me the best service

maree johnson

AM has been very helpful and fabulous with her customer service skills. It’s always good to know you’re speaking with someone with friendly services. It builds trust

April

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

Mitchell Reinert

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.

Hvac Specialist

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

Claire Combs

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!

Kathy Schweiger

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.

Amy Lines

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!!

Brandi Weaver

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!

Jenae Dunbar

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.