Most businesses don’t struggle because they lack sales. They struggle because cash flow—the oxygen of your business—gets trapped in Accounts Receivable. In the B2B world, silence from a debtor is rarely an accident; it is often a calculated delay that costs you interest and growth opportunities. At Kinum, we transform “difficult conversations” into a structured reconciliation process that prioritizes your bank balance without compromising your professional reputation.

Kin (Family/People) + Num (Numbers) = People before numbers. That’s not a slogan. It’s how we recover money without turning your customer into your enemy.

Secure Your Revenue – Contact Kinum Today

Our Two-Phase Recovery System

We offer a flexible, low-friction entry point for every type of debt:

• The Connect Phase (Flat-Fee): Perfect for early-stage debt. For under $20 per account, we provide professional, branded outreach. You keep 100% of the recovered funds.

• The Collect Phase (Contingency): For tougher, older balances. We utilize our full investigative suite and mediation expertise. Our incentives are aligned: No recovery = No fee.

Tailored Recovery for Your Industry

Generic collections fail in specialized B2B sectors. We provide niche expertise to address your specific pain points:

• Construction & Trades: We navigate the nuances of retention and mechanic’s liens to protect your right to payment.

• Wholesale & Distribution: We focus on high-volume liquid turnarounds to keep your supply chain moving.

• Professional Services: We bridge the gap between “work completed” and “funds received” by resolving billing disputes with diplomatic precision.

The Step-by-Step Process

Step 1: The “Clean Handoff” & Readiness Checklist

Commercial collections is most successful when your file is airtight. Before you assign an account, ensure you have the “Big Four”: Identity, Agreement, Fulfillment, and Communication.

Commercial Collections Readiness Checklist:

• Debtor ID: Legal entity name, physical address (not just a PO Box), and primary contact (CFO/Owner) details.

• Proof of Agreement: Signed contracts, Purchase Orders (POs), or credit applications.

• Proof of Fulfillment: Itemized invoices, signed Delivery Receipts (BOL), or project sign-off emails.

• Communication Trail: Records of payment promises, acknowledged debt, or documented disputes.

Missing just one document is the #1 reason debtors successfully stall payments. Provide a clean handoff to move from “chasing” to “closing.”

Step 2: Consultation & Intel

We review documentation for signals that shape strategy, such as business continuity risk and payment behavior patterns. We run a Litigation Scrub to identify high-risk accounts immediately.

Step 3: Verification & Formal Notice

We send demand communications through multiple channels so the debtor cannot hide behind “we didn’t receive it.” The tone is professional but firm.

Step 4: Human-to-Human Mediation

We replace aggressive “robo-calls” with skilled B2B mediators. We contact decision-makers—owners, CFOs, and AP managers—to resolve disputes at the source and preserve the business relationship.

Step 5: Deep-Dive Investigation

If a debtor stalls, we utilize skip tracing, bankruptcy checks, and asset search indicators. This is how “silent accounts” suddenly become responsive.

Step 6: Modern Levers & Tech

Beyond reporting to business credit bureaus, we utilize AI-driven negotiation tools and secure digital payment portals to remove every friction point to settlement.

Step 7: Pre-Legal Review & Attorney Network

If a debtor refuses to cooperate, we can escalate through our nationwide attorney network. We always seek your explicit permission before moving to court.

The 60-Day Warning

Statistics show that the probability of full recovery drops significantly after 60 days. Acting now is the difference between a minor delay and a total loss. Kinum achieves an ~75% recovery rate on commercial accounts under 180 days when assigned early.

Red Flags: 3 Costly Mistakes

1. Waiting too long: Older invoices get “normalized” inside the debtor’s AP department.

2. Incomplete documentation: Missing a single PO can turn a payable invoice into a permanent dispute.

3. The Hidden Cost: Letting your staff act as a collections department drains morale and wastes hours better spent closing new deals.

FAQs

• Will this ruin my customer relationship?
  We use professional mediation designed to get you paid while keeping the account alive.

• What if they claim they never got the invoice?
  Our multi-channel delivery and documentation provide the proof needed to bypass this common stall tactic.

The Kinum Reconciliation Team Strategy

We don’t treat your customers like targets. We treat them like businesses that need structure.

We step in, document the balance, open professional communication, and drive resolution without drama—so you recover cash, protect your brand, and move forward stronger.

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The Problem You’re Staring At Every Day

It’s the $85 co-pay that never arrived. The $150 post-insurance balance that slipped past three statements. Click “write-off” and move on — tempting, because your team is already stretched. But those “small” balances are not harmless. They add up, they drain cash, and they train patients to treat balances as optional.

Our thesis: These patient portions are recoverable — without risking HIPAA or your online reputation — when handled by a professional, patient-friendly partner.

Death by a Thousand Cuts (Quantify the Loss)

One $100 write-off? A rounding error.
Fifteen of them a month? $18,000 a year.

That’s a new dental chair. That’s end-of-year bonuses. That’s the patient-intake software you keep postponing. This isn’t “the cost of doing business.” It’s a preventable leak in your AR ledger.

Quick math: 15 balances/month × $100 × 12 months = $18,000 in lost revenue.

Why the In-House “Solution” Backfires

1) Wrong tool for the job.
Front-desk teams excel at care, scheduling, and a great check-in. They’re not trained for compliant collections conversations — nor should they be asked to be.

2) Opportunity cost.
Every 20 minutes spent chasing a $100 balance is 20 minutes not spent verifying insurance, booking higher-value procedures, or smoothing the patient flow.

3) The awkward factor.
The person who greets a patient shouldn’t also make the overdue-balance call. It strains the relationship and hurts morale.

The Brand-Risk Myth vs. Professional Reality

Let’s be direct. Your biggest fear is hiring someone who will harass patients and trigger one-star reviews. Fair. That old model still exists in movies — not in our shop.

How a modern, compliant partner operates:

• HIPAA, fully.
  We don’t just say “HIPAA-aware.” We run on it. PHI handling, storage, and access are locked down. Staff training is mandatory and documented.

• Empathy-led outreach.
  These are your patients, not “accounts.” We use respectful, negotiation-based conversations to set up realistic payment plans and resolve balances without friction.

• Your brand, protected.
  We act as a third-party buffer so your front desk doesn’t have to. Our scoreboard has two numbers: recovery rate and brand integrity. If either drops, we fix the process.

• Reg F–safe contact methods.
  Email/SMS/call cadence is documented and compliant. Opt-outs honored. Every step is auditable.

What Changes When You Stop Writing Off “Small” Balances

• Cash flow improves quickly because younger accounts resolve faster.

• Team morale rises when awkward money calls move off the front desk.

• Patients cooperate more with a neutral, professional third party.

• Leaders get clarity from clean reporting inside your practice management software and our client portal.

What This Looks Like in Practice

1. You send a simple export from your practice management software (no PHI beyond what’s required).

2. We score and segment balances by age, amount, and likelihood to resolve.

3. We start early-stage, patient-friendly outreach — documented, HIPAA-compliant, Reg F–safe.

4. You see live results: time-to-first-contact, promises-to-pay, dollars recovered, and complaint rate (kept near zero).

Objections You Might Be Thinking

• “It’s only $100.”
  Not when there are dozens of them, every month.

• “My office manager can call.”
  They can. But should they? Their time is worth more — and patients respond better to a neutral third party.

• “What if someone leaves a bad review?”
  Our approach is designed to avoid it. Courteous language, flexible plans, and documented compliance protect your brand.

Bottom Line — These Aren’t “Bad Debts.” They’re Uncollected Revenue.

You don’t have a “bad patient” problem. You have a process problem — one that a compliant, patient-friendly recovery partner can fix.

Before you write off another dollar, let’s run a no-obligation analysis of your “bad debt” ledger. We’ll show — using your numbers — how much revenue is recoverable, how quickly, and with what contact cadence.

Send a de-identified export of post-insurance balances aged 30–180 days. We’ll return a clear, data-backed recovery projection and a recommended plan your team can approve — or decline — with confidence.

Secure Your Revenue – Contact Kinum Today

Why Credit Unions Trust Kinum

With extensive experience serving credit unions across the country, Kinum specializes in recovering debts quickly, professionally, and compliantly. Our tailored collection services are designed specifically to address the unique needs of credit unions, from overdraft recovery to delinquent loans.

Choose the Service Model That Fits You Best

Kinum offers both Fixed-Fee and Contingency-Based collection services:

• Fixed-Fee Service: Ideal for recently overdue accounts, providing predictable costs and rapid debt recovery.
• Contingency-Based Service: Perfect for older, challenging debts where our dedicated recovery specialists pursue collections diligently, only charging when successful.

Unmatched Reputation, Proven Results

Boasting a remarkable Google rating of 4.85 stars from over 2,500 reviews, Kinum collection agency is renowned for its ethical, professional, and effective approach. Our highly trained team focuses on preserving your member relationships while recovering outstanding debts.

Security and Compliance at Our Core

We understand that safeguarding member data is paramount for credit unions. Kinum ensures strict adherence to both the Gramm-Leach-Bliley Act (GLBA) and the Fair Debt Collection Practices Act (FDCPA), offering complete peace of mind.

Benefits of Partnering with Kinum:

• Nationwide Coverage: No matter where your credit union operates, we provide consistent, compliant service.
• Tailored Solutions: Customized strategies for overdraft fees, delinquent loans, and other specific collection needs.
• Superior Customer Relations: Our empathetic yet firm approach maintains goodwill between your credit union and its members.
• Data Protection: State-of-the-art cybersecurity measures to protect sensitive financial information.

Contact us for Credit Union Collections

Take the Next Step Towards Efficient Debt Recovery

Enhance your credit union’s financial health and member satisfaction with Kinum’s expert debt recovery services. Experience why countless credit unions nationwide rely on our expertise to recover debts effectively and professionally.

Ready to streamline your collections?

Contact Kinum collection agency today and discover how we make debt recovery easier, secure, and efficient.

Summary

When a pharmacy engages a collection agency to recover unpaid debts—such as outstanding prescription costs, co-pays, or other fees—it has specific expectations to ensure the process is effective, compliant, and maintains the pharmacy’s reputation and customer relationships. Additionally, the collection agency must have relevant experience,  nationwide license (in case patient moves to a different state) and their services should be easy to use.

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Here are the primary expectations a pharmacy must have from a collection agency:

1. Effective Debt Recovery: The pharmacy expects the collection agency to efficiently recover outstanding debts. This involves utilizing proven strategies tailored to the pharmaceutical industry to maximize the amount recovered without unnecessary delays.
2. Professionalism and Ethical Conduct:
   • Respectful Communication: The agency should interact with customers courteously, understanding that financial difficulties can be sensitive.
   • Brand Representation: As an extension of the pharmacy, the agency should uphold the same standards of professionalism and customer service.
3. Compliance with Laws and Regulations:
   • HIPAA Compliance: Pharmacies handle sensitive health information. The collection agency must adhere to the Health Insurance Portability and Accountability Act (HIPAA) to protect patient privacy and confidentiality.
   • Fair Debt Collection Practices Act (FDCPA): The agency must comply with FDCPA regulations, ensuring lawful collection practices and avoiding harassment or deceptive methods.
   • State and Local Regulations: Adherence to all relevant state and local laws governing debt collection, including any specific regulations related to pharmaceutical services.
4. Preservation of Customer Relationships:
   • Maintaining Trust: The agency should handle collections in a manner that doesn’t damage the customer’s trust in the pharmacy.
   • Future Business Considerations: Recognizing that today’s debtor could be a future customer, the agency should avoid tactics that might prevent future patronage.
5. Transparent Reporting and Communication:
   • Regular Updates: Providing the pharmacy with timely reports on collection activities, recovered amounts, and outstanding accounts.
   • Accessible Support: Being available to discuss specific accounts, answer questions, and adjust collection strategies as needed.
6. Competitive Fees and Cost-effectiveness:
   • Reasonable Pricing: The pharmacy expects the agency’s fees to be fair and proportionate to the debts recovered.
   • Value for Money: Ensuring that the cost of collection does not outweigh the benefits of recovering the debts.
7. Customized Approach:
   • Industry-Specific Strategies: Utilizing methods that are effective within the pharmaceutical sector.
   • Tailored Communication: Adjusting communication styles to suit different customer demographics and situations.
8. Reputation Management:
   • Protecting the Pharmacy’s Image: Avoiding aggressive or unethical collection tactics that could lead to negative publicity.
   • Positive Representation: Acting in a way that reflects well on the pharmacy, potentially enhancing its reputation for professionalism and care.
9. Advanced Technology and Security Measures:
   • Data Security: Implementing robust cybersecurity protocols to protect sensitive customer information.
   • Efficient Systems: Using modern software for tracking debts, reporting, and ensuring compliance with all regulatory requirements.
10. Legal Support:
    • Guidance on Legal Matters: Providing advice or resources related to legal actions if debts cannot be recovered through standard collection efforts.
    • Compliance Assurance: Ensuring all collection activities are legally sound to prevent litigation risks.
11. Customer Financial Education:
    • Payment Plan Options: Offering solutions such as installment plans to help customers manage their debts.
    • Resource Provision: Supplying information that helps customers understand their bills and the importance of timely payments.
12. High Recovery Rates with Minimal Complaints:
    • Efficiency: Achieving strong recovery rates to improve the pharmacy’s cash flow.
    • Customer Satisfaction: Minimizing complaints by handling collections in a customer-friendly manner.
13. Integration with Pharmacy Systems:
    • Seamless Data Exchange: Ability to integrate with the pharmacy’s existing billing and record-keeping systems for efficient data transfer. If integration is not possible, then at least give an option to submit accounts in a batch instead of hand entering one by one.
    • Real-Time Updates: Providing up-to-date information that can be accessed as needed.
14. Compliance with Insurance and Third-party Payers:
    • Understanding of Insurance Processes: Knowledgeable about dealing with insurance companies, Medicare, Medicaid, and other third-party payers.
    • Coordination on Denied Claims: Assisting in collecting payments that arise from denied insurance claims or uncovered services.
15. Cultural Sensitivity and Multilingual Support:
    • Diverse Communication: Ability to communicate effectively with customers from various cultural backgrounds.
    • Language Services: Offering multilingual support to ensure clear communication.

In summary, the agency should protect the pharmacy’s reputation, maintain positive customer relationships, and operate transparently.

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.

A commercial collection agency plays a vital role in helping businesses recover outstanding debts from other businesses. Kinum’s expertise lies in managing the delicate balance between aggressive debt recovery and maintaining professional relationships.

Commercial Debt Collection Process

• Kinum is among the best commercial collection agencies in USA. Rated 4.87 stars on Google.
• We have a dedicated commercial collections division with highly experienced business debt collectors.
• If we do not collect, we charge nothing. No Collection, No fee.
• Over 80% success rate on viable claims. All debts are managed using our secure online client portal.
• There are several federal and state regulations to follow even when collecting your own money. We adhere to all government laws, thereby reducing your business risk.

Secure Your Revenue – Contact Kinum Today

Step by Step Approach:

The process typically involves the following steps:

• Initial Consultation and Information Gathering: Clients provide detailed information about the debtor and the outstanding debt. This includes contracts, sales agreements, and documented correspondence. This step is crucial for understanding the context and background of the debt.
• Verification and Demand Letter: We verify the contact information and send a demand letter via email, fax, and mail, generally within one business day. This letter serves as a formal notice to the debtor regarding the outstanding debt and informing that this debt is now being pursued by a professional collection agency. Things have got a lot more serious now.
• Strategic Negotiation (The “Human” Touch): We don’t rely on robo-dials. Our seasoned commercial collectors pick up the phone to negotiate with decision-makers (CFOs, AP Managers, Owners). We identify the root cause of non-payment—whether it’s cash flow issues or a dispute—and broker a resolution that gets you paid immediately.
• Asset & Liability Investigation :Before we push, we verify. We conduct a deep-dive investigation into the debtor’s financial health, looking for active bank accounts, vendor disputes, and personal guarantees. This intelligence tells us exactly how hard to push.
• Persistent Follow-Up: Kinum Inc. is relentless in its follow-up efforts, making multiple calls at different times of the day to reach the debtor. We avoid automated systems, relying on the expertise and intuition of experienced debt collectors to determine the best times and methods for making contact.

Success Rates and Expertise

Kinum Inc. boasts an impressive 80% success rate on viable claims, highlighting the effectiveness of their tailored and persistent approach. This high success rate is attributed to the extensive business experience of our debt collectors and legal team.

We adapt to your internal accounting systems and business priorities, acting as an extension of your own team. Our objective is to make this entire process easy for you and for your defaulter.

Legal and Non-Legal Steps

Non-Legal Steps

• Negotiation and Mediation: A significant part of the debt collection process involves negotiating with the debtor to reach a mutually agreeable settlement. This can often resolve the issue without the need for legal action.
• Credit Reporting: We may report the delinquent account to business credit bureaus, which can incentivize the debtor to settle the debt to avoid damaging their credit rating and ability of business to take loans in future.

Legal Steps

• Litigation: If non-legal measures fail, Kinum Inc. has an in-house pre-legal team before the actual legal process starts. We also have a national network of lawyers that enables us to file the case at the debtor’s local jurisdiction.
• Judgment Enforcement: Once a judgment is obtained, the agency can take further legal steps to enforce it, such as garnishing wages, placing liens on property, or seizing assets.

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Advantages of Using Kinum Commercial Collection Agency

• Expertise and Resources: Kinum team includes specialists with deep knowledge of business operations, contracts, and debt collection laws, providing a strategic advantage in recovering debts.
• Cost-Effectiveness: We operates on a contingency basis, meaning clients only pay a fee if the debt is successfully collected. This aligns the agency’s incentives with those of the client.
• Ethical and Professional Approach: Kinum prides itself on maintaining ethical standards, avoiding intimidation tactics, and focusing on professional negotiation to recover debts.

Types of Commercial Debt We Recover

• Unpaid B2B Invoices

• Service Contracts

• Manufacturing/Supply Chain Disputes

• Commercial Lease Arrears

• Freelancer/Agency Fees

Benefits for our Business Clients

• Improved Cash Flow: Recovering outstanding debts can significantly improve your cash flow, allowing you to reinvest in your business and grow. Free up time of your employees, let them do what they were hired for.
• Reduced Financial Risk: By reducing the amount of outstanding debt on your books, you can lower your financial risk and improve your creditworthiness.
• Increased Profitability: Improved cash flow and reduced financial risk can lead to increased profitability for your business.
• Peace of Mind: Knowing that your outstanding debts are being handled by a professional collection agency can give you peace of mind and allow you to focus on running your business.

Contact us for B2B Collections

FAQ’s 

Q: Will hiring an agency ruin my relationship with my client?

A: Not with Kinum. We use a “Diplomatic Approach” designed to recover funds while maintaining professional goodwill, often identifying simple billing disputes that can be resolved amicably.

Q: Do you handle international debts or Spanish-speaking debtors?

A: Yes. We have a dedicated Spanish Division with fully bilingual collectors to ensure clear communication and compliance across different demographics.

Q: What certifications do you hold to protect my business from liability?

A: We are FDCPA, TCPA, and SSAE 18 certified. We operate with a Certificate of Authority in all 50 states, ensuring your reputation is legally protected.

Q: How do I track the progress of my claims?

A: All clients receive access to a secure online portal where you can view real-time updates, notes from collectors, and recovery reports 24/7.

Our insured and bonded professionals achieve high recovery rates while maintaining amicable relationships with debtors. We are licensed to operate in all 50 states. Transparent pricing, no on-boarding fee and no hidden fee guarantee.

Our recovery rate and client satisfaction are reflected in our 2,000+ Google reviews, scoring an impressive average rating of 4.87 out of 5. Kinum is licensed to collect in all 50 states and Puerto Rico.

Client Portal Functionality

Using the online portal, you can easily complete all tasks with ease:

• Login securely and conveniently using a two-factor authentication.
  • Your username and password.
  • One time code emailed to you, keeps your account secure even if your login credentials are compromised.
    

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• A dashboard view that shows a summary of how much amount has been collected for you, performance breakup by each stage.
  

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• Submit accounts, provide backup documents, post payments/updates using simple forms or buttons.
  

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• Get monthly collection statements and reports for your reference.
  

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Services: 

Signup for Connect (fixed fee) | Collect ( contingency service) | Contact us

Seamless Collection Management with Secure Client Portal

One of the key features that set Kinum apart is their easy to use secure client portal. This online platform allows businesses ( and medical practices) to initiate and monitor their collection activities effortlessly. With just a few clicks, you can manage your accounts, track progress, and stay updated on the status of your collections. This transparency and ease of access mean you can focus on your core business while Kinum takes care of your collection needs.

• Free Bankruptcy screening and Free Credit Bureau reporting in contingency collections.
• Free Change of Address check and Litigious defaulter check at no cost.
• Accounts can be further recommended to one of our national network of lawyers for filing a Legal suit to recover money (only if you want).
• We can perform debt collections in both English and Spanish.
• Apart from B2C collections, we also have a dedicated Commercial Collection Division for B2B collections.
• Kinum has consistently passed SSAE 18 SOC 1 Type 2 data security compliance.
• We are HIPAA, GLBA, TCPA and FDCPA compliant too.

Personalized Service with a Dedicated Representative

Every client is assigned a dedicated representative who understands your specific needs and provides personalized assistance throughout the collection process.  Additionally, Kinum offers a centralized customer service number (888) 471-0280 x 4), that is easy to reach, providing you with the peace of mind that help is always just a phone call away.

Compliance and Reputation Preservation

Kinum takes pride in adhering to all federal and state laws during the recovery process. They guarantee that every action taken is fully compliant, ensuring that your business remains protected from legal complications from our side.

Moreover, Kinum understands the importance of maintaining your reputation. Special care is taken to handle all interactions with debtors professionally and respectfully.

A Name with a Meaning

The name “Kinum” reflects the agency’s core values: “KIN” stands for family, and “NUM” stands for numbers. This signifies their belief in putting family before numbers and people before profits.

Kinum’s approach is deeply rooted in the philosophy that the well-being of individuals and relationships should always come first. Debtors/patients are more likely to cooperate with an agency who treats them respectfully rather aggressively.

Why Choose Kinum?

Choosing Kinum means partnering with a collection agency that prioritizes your needs, upholds the highest standards of compliance, and values your reputation.

Our innovative client portal, dedicated representatives, and customer-centric approach make us an ideal choice for businesses seeking reliable and ethical collection partners.

An experienced commercial collection agency can turn unpaid invoices into resolved accounts, helping your business recover what’s rightfully yours while preserving your valuable client relationships.

By thoroughly considering the following factors, you can choose a commercial collection agency that aligns with your business goals. Here is how Kinum measures up to these critical industry standards.

1. Reputation and Track Record

Look for an agency with a proven history of success and ethical conduct.

• 2,500+ 5-Star Reviews: Kinum has over 2,500 Google reviews with an average rating of 4.87 out of 5.0. We are one of the highest-rated agencies in the nation.

• 75% Success Rate: We have a phenomenal success rate on commercial B2B debts. Most accounts that are less than 180 days old, deemed viable and have adequate documentation achieve a recovery rate of over 75%.

• Ethical Standards: We strictly follow all federal and state laws. We have a dedicated team of experienced commercial collectors and a vast network of lawyers all over the USA to ensure compliance.

2. Experience and Expertise

Does the agency understand your specific industry and the nuances of B2B debt?

• Nationwide Industry Experts: Kinum’s management team is one of the most experienced in the entire USA. We have hands-on experience in collections and compliance across nearly all industries and work in all 50 states.

• “People Before Profits”: Our name comes from KIN (Family) + NUM (Numbers). We believe in “Family before Numbers” and “People before Profits.”.

• Diplomatic Strategy: Our collection strategies strike a balance between diplomacy and firmness. We ensure effective outcomes without burning bridges. Legal action is reserved as the last option when everything else fails.

3. Fees and Pricing Structure

You need a transparent fee structure with no hidden surprises.

Kinum’s pricing is absolutely transparent. There are no on-boarding or setup fees.

• If you choose our fixed-fee option, you keep 100% of what’s collected—you simply pay about $20 per case.

• If you prefer traditional contingency collections with no upfront cost, our fee is based on the age, balance, and complexity of the account. Your contingency rate will typically range from 20% to 40% of the amount recovered. We’ll confirm the exact fee in advance, and if there’s no recovery, there’s no fee. Credit reporting can be done of you want.

• Legal action is initiated as the last resort (after taking permission from you).

4. Technology and Data Security

Inquire about data protection and how you will track progress.

• Top-Tier Compliance: We take security very seriously. With a dedicated IT security officer, we are proud to be SSAE 18 SOC 1 Type 2, GLBA, PCI-DSS, and HIPAA compliant.

• Secure Portal: All accounts are conveniently submitted and managed through our secure 24/7 client portal.

• Dedicated Support: You will be assigned a dedicated representative that can be contacted at any time. You can also reach our Kinum Central Client Support at (888) 471-0280 x 4.

5. Licensing and Reach

Verify that the agency is licensed and bonded in your region.

• Licensed Nationwide: Kinum is bonded, insured, and licensed to recover in all 50 states and Puerto Rico.

• Bilingual Services: We can perform debt collections in both English and Spanish to remove communication barriers.

6. References and Feedback

Always check client experiences before signing up.

• Verified Reviews: Check our online reviews to see what others are saying.

• Industry References: If you still need references, we will try to obtain permission from a current client in your specific industry to share their experience with you.

Contact us using the form below. To Sign up  – click here

Ready to Start Collecting?

Don’t let unpaid invoices hurt your cash flow. Choose the option that fits your needs:

• (Keep 100% of recovery, if you opt for fixed fee service)

• (No Recovery, No Fee)

Contact us for Commercial Collections

Not only do we deliver high recovery rates, but our team is incredibly easy to work with. We are committed to providing the best customer service experience for your staff.

Office managers, administrators and accountants really appreciate how simple and intuitive our client portal is, making it easy to manage all your accounts online. Additionally, we provide an interactive zoom-training along with a comprehensive 3-page PDF tutorial that guides you through managing your accounts with just a few clicks. We proudly serve hundreds of dental practices nationwide.

Staff tired of sitting on hold with Blue Cross? We handle insurance follow-ups and denial management so your front desk can focus on patients. We are also well-versed in dental billing practices. Our recovery process includes skip tracing, letter service and legal escalation as the last resort.

We can do low-cost reminder notices, collection demands and relatively more intensive collection calls service. All depends on your dental practice collection needs. We integrate with major practice management software like Dentrix, EagleSoft, and Open Dental to make file transfer easy (through CSV export).

Here are the top considerations for dental offices when hiring a collection agency, and why Kinum might be your best choice.

1. Reputation Management:

• Patient Experience: Choose an agency that prioritizes a positive patient experience, even during the collection process. Aggressive or rude tactics can damage the dental office’s reputation.
• Communication: The agency should communicate clearly and professionally with patients, explaining the debt and offering payment options. Collections should happen diplomatically, yet with the right amount of pressure.
• Online Reviews: Check online reviews and ratings to gauge the agency’s reputation among other dental offices and patients.
  

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2. Fee Structure:

• Contingency Fee: The agency only gets paid a percentage of the debt they collect. This can be motivating for the agency, but the percentage might be high. (Sign up)
• Fixed Fee: The dental office pays a set low-fee, regardless of the amount collected. (Sign up)

  

3. Compliance with Regulations:

• FDCPA (Fair Debt Collection Practices Act): Ensure the agency strictly adheres to the FDCPA, which protects consumers from abusive debt collection practices. This includes not harassing patients, using deceptive tactics, or making false statements. They should also be GLBA compliant and offer a secure online client portal.
• HIPAA (Health Insurance Portability and Accountability Act): Since patient information is sensitive, the agency must be HIPAA compliant to safeguard patient privacy and confidentiality.
• State Regulations: Be aware of any specific state laws regarding debt collection practices that might be stricter than federal regulations.
• We can sign a BAA if required. We treat patients with dignity so they return for checkups.

4. Credit Reporting Laws:

• FCRA (Fair Credit Reporting Act): The agency should be familiar with the FCRA, which regulates how credit information is collected, used, and shared. This includes accurate reporting of debts and dispute resolution procedures. Dental debts under $500 and which are less than one year old, cannot be reported to the credit bureaus.
• Timing of Reporting: Understand when the agency will report unpaid debts to credit bureaus, as this can impact a patient’s credit score.
• Dispute Handling: Have a clear process in place for handling disputes if a patient claims a debt is incorrect.

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