Kinum

debt

Read the Amazing Online Reviews of Kinum Collection Agency

  • Average National Rating: Kinum boasts a 4.88-4.95 national average rating out of 5.0. This average is based on over 2,200 Google reviews.
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  • Individual Location Ratings: Kinum’s rating may differ slightly across its various office locations. For example, their Virginia Beach office on Google Maps holds a 5.0 rating with over 80 reviews.
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  • Other Platforms: Kinum maintains positive ratings on other platforms as well, including BBB, Facebook and LinkedIn.

Click here to contact Kinum to recover your unpaid bills 

Here are examples of Google Reviews highlighting various aspects of positive experiences with Kinum collection agency:

Professionalism and Communication:

  1. “Kinum consistently communicated clearly and professionally throughout the debt resolution process. Their representatives were always polite and understanding, explaining everything thoroughly.”
  2. “Appreciate Kinum’s responsiveness and willingness to work with me. They promptly addressed my concerns and tailored a payment plan that fit my budget, alleviating the stress of my situation.”
  3. “Kinum impressed me with their organized approach and detailed documentation. They provided transparent records of the debt and kept me informed of every step taken.”

Effectiveness and Solutions:

  1. “After struggling with debt for years, Kinum helped me get back on track. Their efficient strategies and flexible options finally allowed me to settle the debt and get a fresh start.”
  2. “Kinum went beyond simply collecting the debt. They offered helpful resources and financial guidance that empowered me to manage my finances better and avoid future debt.”
  3. “Kinum worked diligently to negotiate with my creditors on my behalf, securing significant reductions in the overall debt amount. Their negotiating skills saved me a considerable amount of money.”

Empathy and Understanding:

  1. “Kinum acknowledged my difficult circumstances and treated me with respect throughout the process. They were never judgmental and offered empathy for my situation.”
  2. “Working with Kinum felt like partnering with a supportive team. They understood my financial limitations and worked collaboratively to find the best solution for everyone involved.”
  3. “Kinum went the extra mile to accommodate my unique situation. They adjusted their communication methods and payment schedule to suit my needs, demonstrating sensitivity and flexibility.”

Positive Outcomes and Resolution:

  1. “Thanks to Kinum’s effective strategies and persistent efforts, I successfully resolved my debt in a timely manner. They kept their promises and helped me achieve financial peace of mind.”
  2. “Kinum’s professionalism and guidance throughout the process empowered me to take control of my finances. I’m now debt-free and on a stable financial path, thanks to their assistance.”
  3. “The experience with Kinum was surprisingly positive. They were fair, efficient, and ultimately helped me overcome a significant financial hurdle.”

Emphasis on Education and Empowerment:

13. “Kinum’s representatives didn’t just focus on collecting my debt; they took the time to educate me about financial management and debt prevention strategies. I feel more confident about my financial future now.”

Customer-Centric Approach:

14. “I was pleasantly surprised by Kinum’s commitment to customer satisfaction. They genuinely listened to my concerns and worked hard to find solutions that worked for me. I felt like I was their priority, not just a number.”

Respectful and Ethical Practices:

15. “I was initially apprehensive about working with a debt collection agency, but Kinum exceeded my expectations. They treated me with respect and upheld ethical practices throughout the process. I never felt pressured or threatened.”

Timely Resolution and Closure:

16. “I was able to settle my debt with Kinum quickly and efficiently. They streamlined the process and made it as painless as possible. I’m so grateful to have this burden off my shoulders.”

Exceeded Expectations and Built Trust:

17. “I had a negative perception of debt collectors before working with Kinum, but they completely changed my mind. They exceeded my expectations in every way and built a sense of trust that I didn’t think was possible. I would highly recommend them to anyone facing debt challenges.”

Additional Aspects:

18. “Kinum’s online portal made managing my debt and making payments incredibly convenient. The user-friendly interface and clear instructions made the process stress-free.”

19. “Kinum’s accessibility was impressive. They were always available to answer my questions and address my concerns promptly through various channels.”

20. “I found Kinum’s website informative and transparent. It provided clear information about their services, fees, and the debt collection process, building trust and understanding.”

Step-by-Step Legal Debt Collection Process Explained

After all amicable ways to recover funds from the debtor fail, the account may be considered for the final step – Legal collections. Learn how legal teams handle pre-litigation, documentation and lawsuits.

Step 1: Initial Assignment to Pre-litigation Team

When an account enters “Step 4 – Legal,” it is initially assigned to the “Pre-litigation” team. The Kinum’s internal legal team reviews the account and sends a final communication to the debtor, notifying them that their debt is under review in the legal department. The main objective is to provide the debtor with a final opportunity to resolve the debt before the account is assigned to an attorney for further review.

Step 2: Verification of Backup Documentation

If the debt remains unresolved, the next step is to verify that the backup documentation provided by the client matches the balance placed with Kinum. This may involve additional requests to the client for documentation and verification. Once the backup documentation is reviewed and correctly applied to the account, the appropriate attorney is determined to receive the account. Kinum has a national network of attorneys to help file the case in the right jurisdiction.

Step 3: Initial Attorney Communication

The attorneys adhere to specific legal guidelines in their communication. Once the attorney makes their initial demand with the customer, they typically allow a 35-day window of response before proceeding.

Step 4: Decision to File a Lawsuit

If the attorney finds that there is a strong case, meaning there is a high chance of winning and assets are available to satisfy the judgment, the client is asked if they want to proceed with filing a lawsuit. Payment for the court filing fee, which varies depending on the location, is required. However, the first amount recovered will go to reimburse the client 100% of this fee. Once the client agrees to proceed, the necessary steps to prepare for the lawsuit are taken. The attorney serves a summons to the consumer, the client fills out an affidavit, and then it is up to the court to get the case on the docket. The legal team provides the best representation and support to clients throughout the process.

Step 5: Court Process

There is no fixed timeframe for this process, and the court process can be slower than anticipated. If the debtor fails to attend the hearing, a default judgment is usually obtained. If they attend, a standard judgment is given. If the judgment is awarded to the client, the phase of executing the judgment begins. This may result in another hearing with the judge. If the debtor agrees to payment, updates are awaited. If no payments are made, the client is asked if they would like to return to court. If the customer is unwilling to make voluntary payments, the attorney may move to potential wage garnishment or filing a lien on their assets to collect the money owed to the client.

Step 6: Risk Consideration

Filing a lawsuit against a consumer carries risks, which attorneys carefully weigh, keeping in mind the client’s best interests. The legal team is dedicated and provides recommendations based on unique circumstances.