Frequently Asked Questions
Everything you need to know about Kinum’s collection services, process, and technology.
Understanding How Kinum Works
What does a debt collection agency do, and how does Kinum support internal collections?
Kinum gives your organization a more efficient way to recover unpaid balances by adding the power of third-party outreach. Our two-phase Connect and Collect system strengthens your internal efforts, reduces staff workload, and improves recovery rates.
You stay in control of which accounts are placed and when, while we handle the communication, compliance, and follow-up.How does the Kinum system work?
Kinum’s process is designed for both efficiency and flexibility:
- Connect Phase: Low-cost first-party outreach branded with your organization’s name.
- Collect Phase: Contingency-based third-party collections when additional leverage is needed.
- Legal Escalation: When appropriate, unresolved accounts can be reviewed by our nationwide attorney network.
This structured, step-by-step system helps recover revenue earlier and more consistently.
Who does Kinum work with?
We work with organizations across more than 140 industries, including medical, dental, education, commercial, hospitality, public sector, and professional services. We handle both consumer and commercial receivables, from early-stage reminders to aged delinquent accounts.
Pricing & Billing
What are your rates?
Kinum offers one of the most cost-effective solutions in the industry.
- Connect Phase: A flat, low per-account fee—typically under $20.
Collect Phase: Contingency-based—you only pay when we recover funds.
Because you choose which phase to use, you’re always in control of your costs.How can Kinum offer low flat-fee pricing?
Our technology-driven, high-volume operating model allows us to efficiently manage accounts while maintaining active, compliant collection efforts. By streamlining workflows and leveraging automation to support, not replace, consumer engagement, we reduce operational costs and pass those savings on to our clients.
How do I pay for the service?
You pay as you go. We bill monthly for the accounts you place, and you can pay via ACH or credit card.
Special association pricing may also be available.
Working With Kinum
What if I already work with another collection agency?
Many clients use Kinum alongside internal teams or other agencies.
Our low-cost Connect phase often fills a gap in existing processes, helping resolve accounts before they reach full third-party collections.
You stay in control, and Kinum integrates smoothly into your current workflow.Will using Kinum damage my customer relationships?
Our communication is clear, respectful, and compliant.
The Connect phase uses your organization’s name, and our Collect agents are trained to resolve accounts professionally, never aggressively.
Most clients report improved customer interactions because our approach reduces tension and confusion.Do you offer bilingual or Spanish-language collection support?
Yes.
Kinum has a dedicated Spanish division, including bilingual collectors and Spanish-language notices. This ensures fair and effective communication with Spanish-speaking consumers.Do you record phone calls?
Yes. All collection calls are recorded for accuracy, training, and client protection. This ensures transparency and helps maintain high-quality communication standards.
How do I track my accounts?
The Kinum client portal provides:
- Real-time updates
- Placement history and documentation
- Status tracking
- Secure upload tools
You also receive a dedicated account representative, so you never have to call a generic 800 number.
- Real-time updates
Do you offer training for my staff?
Yes. We provide free onboarding training and ongoing support to help your team use the system effectively and reduce preventable delinquencies.
How do I leave a positive Google Review for Kinum?
You can leave a positive Google Review for Kinum here:
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New Jersey – https://bit.ly/3eAxlOa
Arizona – https://bit.ly/32Vmxop
Ohio – https://bit.ly/2Qx4ySS
Des Moines – https://bit.ly/3ntJaKf
Kansas City – https://bit.ly/3gExdQx
Puerto Rico – https://bit.ly/3cl52TJ
Wisconsin – https://bit.ly/2XKtxFj
For Small Businesses
What if I only have a few accounts to send?
Kinum works with businesses of every size, even those with just a handful of past-due accounts.
Because our system is low-cost and flexible, small businesses can use the same efficient, compliant process as large organizations.
Whether you place one account or hundreds, we help you recover revenue and protect your cash flow.
Compliance & Consumer Rights
Is Kinum licensed and compliant?
Yes.
Kinum is compliant with all state licensing requirements and operates with a certificate of authority in all 50 states and Puerto Rico
Our processes and technology are built to protect both clients and consumers.What rights do consumers have during the collection process?
Consumers have the right to:
- Receive a written debt validation notice
- Request verification of the debt
- Dispute a debt
- Limit communication channels
Kinum follows all federal and state laws governing consumer rights.
- Receive a written debt validation notice
How often will Kinum contact a consumer?
We follow all federal and state contact-frequency rules. Communications are designed to be clear, professional, and compliant, not excessive.