Resolve Kinum Debt Collections: Answer Lawsuit & Settle

You probably never heard of Kinum, Inc. until they contacted you about a debt. Now their representatives call you every day. You might even be facing a lawsuit.

Take a deep breath. Resolving your debt is easier than you think. You can respond to the lawsuit and negotiate a lower settlement amount.

Kinum Filed a Lawsuit Against You?

You have limited time to respond to a debt collection lawsuit. File your Answer now to avoid a default judgment and protect your right to negotiate a lower settlement with Kinum.

Respond to Kinum Now

What Is Kinum, Inc.?

Kinum is a debt collection company operating from Virginia, Indiana, and Ohio. The company specializes in debt recovery for healthcare, small businesses, and education industries. If Kinum collections contacted you, they want to collect an unresolved debt.

Is Kinum a Legitimate Company?

Kinum, Inc. is a legitimate debt collector operating since 2008. The company was originally called Fidelis Asset Management.

Kinum has dozens of complaints with the Better Business Bureau. Even more complaints appear in the Consumer Financial Protection Bureau database.

Many complaints claim Kinum tried collecting on illegitimate debt. Others say the company failed to verify debts properly. You must verify your debt before moving forward with any settlement offer.

How Do I Contact Kinum, Inc.?

Contacting Kinum is straightforward. Call their toll-free number at 888-281-1750. You can also fill out the contact form on their website. The company lists individual addresses for each location on their site.

How to Respond to Kinum Debt Collection

You received phone calls from Kinum, Inc. or even a lawsuit summons. You need to act strategically right now. Here’s what to do from initial contact through settlement negotiations.

Report FDCPA Violations

The Fair Debt Collection Practices Act (FDCPA) protects you from aggressive collection tactics. Federal law prevents debt collectors from these practices:

Calling you multiple times per day
Failing to identify themselves as debt collectors
Contacting you before 8 a.m. or after 9 p.m.
Threatening you with arrest over past debt
Contacting friends, family members, or coworkers about your debt
Using vulgar or offensive language
Contacting you after receiving a Cease and Desist Letter
Refusing to validate your debt

Kinum representatives must follow these legal standards. Report violations to the Federal Trade Commission at 877-382-4357 or through the FTC website. You can also report violations to the CFPB online or by calling 855-411-2372.

File an Answer to a Debt Lawsuit

Getting sued for past debt requires fast action. Many jurisdictions give you only two weeks to file an Answer. An Answer communicates your willingness to fight the lawsuit.

Missing this deadline can result in a default judgment favoring Kinum. The judge may award Kinum legal fees or collection fees. You’ll lose your chance to negotiate a lower settlement.

Our partner Solo helps you respond to debt lawsuits quickly and effectively.

Verify Your Debt With Kinum

Always verify that the debt belongs to you before proceeding. Send a Debt Validation Letter asking Kinum to:

Identify your original creditor
Record the amount of your original debt
List any previous payments
Connect you to the debt
Document the amount currently owed

If Kinum can’t connect you to the debt, you have a strong case. The company may drop the lawsuit and stop collecting from you.

If the debt is legitimately yours, you can negotiate a lower settlement.

Negotiate a Settlement With Kinum

Most debt collectors prefer accepting a lower settlement over lengthy legal proceedings. You might offer to pay 60% of your original debt amount.

Kinum may reject your offer but will likely send a counteroffer. You can accept or reject their response. Continue negotiating until you reach an agreement that works for both parties.

Example: Katie received notice of a debt collection lawsuit and didn’t know what to do. She filed an Answer with the court, giving herself time to verify the debt. Then she started negotiations by offering 60% of the original amount. While Kinum didn’t accept her initial offer, Katie accepted their counteroffer of 67%. Now her debt is resolved through a manageable payment plan.

Get Your Settlement Agreement in Writing

Always get your debt settlement agreement in writing. Written agreements prevent dishonest collectors from seeking a default judgment after you settle.

Save all your emails, letters, and other documents. Keep complete records of every communication. Documentation protects you fully throughout the settlement process.

Protect Your Rights During Debt Collection

You have strong legal protections when dealing with debt collectors. Know your rights under the FDCPA and state laws. Document every interaction with Kinum representatives.

Keep detailed records of phone calls, including dates and times. Save all letters and emails you receive. Record the names of representatives you speak with.

If Kinum violates your rights, you may have grounds for legal action. FDCPA violations can result in damages awarded to you. Consult with a consumer rights attorney if you experience harassment.

Understanding Your Options

You have several options when dealing with Kinum collections. Our partner Solo can help you respond to lawsuits and negotiate settlements.

Consider these strategies based on your situation:

Dispute the debt if you believe it’s not yours
Request debt validation to confirm legitimacy
Negotiate a lump-sum settlement for less than owed
Arrange a payment plan if you can’t pay in full
Consult an attorney for complex cases

Choose the strategy that fits your financial situation. Acting quickly gives you more negotiating power.

Moving Forward After Settlement

Resolving your debt opens the door to financial recovery. You can rebuild your credit and move past this challenge. Start by following your payment plan exactly as agreed.

Monitor your credit reports after settling with Kinum. Ensure the debt shows as settled or paid. Dispute any inaccuracies that appear on your reports.

Focus on building positive payment history going forward. Your credit score will improve over time with responsible financial management.

Frequently Asked Questions

What is Kinum, Inc. and why are they contacting me?

Kinum, Inc. is a debt collection company operating from Virginia, Indiana, and Ohio since 2008. They contact consumers to collect unresolved debts from healthcare, education, and small business industries. If they're contacting you, they're attempting to collect on a debt they claim you owe.

How do I verify that my Kinum debt is legitimate?

Send a Debt Validation Letter to Kinum requesting they identify your original creditor, record your original debt amount, list previous payments, connect you to the debt, and document the current amount owed. If they can't provide this information, you may have grounds to dispute the debt.

Can I negotiate a lower settlement amount with Kinum?

Yes, most debt collectors including Kinum prefer accepting a lower settlement over lengthy legal proceedings. You can typically negotiate settlements for 60-70% of the original debt amount. Always get any settlement agreement in writing before making payments.

What happens if I don't respond to a Kinum lawsuit?

Failing to respond within your state's deadline (often two weeks) can result in a default judgment favoring Kinum. The judge may award them legal fees and collection costs, and you'll lose your opportunity to negotiate a lower settlement amount.

How do I report FDCPA violations by Kinum?

Report violations to the Federal Trade Commission at 877-382-4357 or through their website. You can also file complaints with the Consumer Financial Protection Bureau online or by calling 855-411-2372. Document all violations with dates, times, and details of what occurred.

How to Resolve Debt With Kinum Collections in 2024