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How to Resolve Debt With Kinum

Sarah Edwards | October 26, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Kinum, Inc. is a debt collection company based out of Virginia, Ohio, and Indiana. It handles medical debt, student debt, and a variety of consumer debts. If you’ve been sued by Kinum, SoloSuit can help. Use SoloSuit to file an Answer with the court, then use SoloSettle to negotiate a lower settlement and resolve your debt once and for all.

Chances are you’d never heard of Kinum, Inc. until you received a notification about your debt. But before long, Kinum representatives began calling you every day. Now, you may even be facing a debt collection lawsuit.

Stay calm. Resolving your debt is easier than you might realize. Just use the following guide to respond to a lawsuit and negotiate a lower settlement amount.

If you're facing a lawsuit, start drafting your Answer with SoloSuit.

What is Kinum, Inc.?

Kinum is a debt collection company that operates from locations in Virginia, Indiana, and Ohio. The company specializes in debt recovery, serving industries ranging from healthcare to small businesses to education. If you’ve been contacted by Kinum collections, it’s because the company is seeking to collect on an unresolved debt.

Is Kinum a legitimate company?

Kinum, Inc. is a legitimate debt collection company and has been in operation since 2008. However, it was originally called Fidelis Asset Management.

Kinum has had dozens of complaints submitted against it with the Better Business Bureau and even more complaints filed with the Consumer Financial Protection Bureau (CFPB).

Many complaints allege that Kinum was seeking to collect on debt that was not legitimate or that it failed to verify the debt. That’s why it’s crucial to verify your debt before moving forward with a settlement offer.

How do I contact Kinum, Inc.?

Contacting Kinum is fairly straightforward. You can call the toll-free Kinum phone number (888-281-1750) or fill out the contact form on the company’s website. There is no master physical address, though the website lists the address for each of its locations.

How to Respond to Kinum debt collection

If you’ve received phone calls from Kinum, Inc. — or even a Summons for a debt collection lawsuit — you need to act strategically. Here’s what to do, from initial contact to negotiating a settlement.

Report FDCPA violations

Consumers are protected from aggressive debt collection practices by the Fair Debt Collection Practices Act (FDCPA). This federal statute prevents debt collectors from such tactics as:

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

Kinum representatives are bound by these legal standards. Violations can be reported to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You can also report violations to the CFPB online or by calling 855-411-2372.

File an Answer to a debt lawsuit against Kinum

If you’re being sued for past debt, you need to act fast. In many jurisdictions, you only have two weeks to file an Answer with the court. An Answer communicates your willingness to fight the lawsuit.

Failing to meet this deadline can result in a default judgment in favor of Kinum, Inc. If this happens, the judge may award Kinum legal fees or debt collection fees, and you’ll lose your chance to negotiate a lower settlement.

Looking for extra help? Watch this video for insights on how to respond to a debt lawsuit summons:

Verify your debt with Kinum

It’s always important to verify that the debt is yours before proceeding further. Use SoloSuit to send a Debt Validation Letter. This letter will confirm that the debt is yours by 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 doesn’t have enough information to connect you to the debt, you have a good chance of fighting the lawsuit in court. Even better, it may drop the lawsuit and give up on collecting from you.

But if the debt is legitimately yours, you can try to negotiate a lower settlement.

Use SoloSettle to settle your debt with Kinum

SoloSettle makes it easy to start negotiations for a settlement. After all, most debt collectors prefer accepting a lower settlement to going through a lengthy legal process.

Through SoloSettle, you might offer to pay 60% of your original debt. Kinum may reject this offer, but it will likely send a counteroffer. You can accept or reject this offer. The point is to continue negotiating until you reach an agreement that you both agree on.

Let’s look at an example.

Example: Katie was initially stunned when she received notice of a debt collection lawsuit. Having never been sued before, she wasn’t sure what to do. Thankfully, she discovered SoloSuit, which helped her file an Answer with the court. That gave her some time to verify that the debt was hers. Then, she used SoloSettle to kick off negotiations. While Kinum didn’t accept her initial offer to pay 60% of the original debt, Katie gratefully accepted the counteroffer of 67%. Now that her debt is resolved, she’s following a payment plan and working to rebuild her personal credit.


Start negotiating today with SoloSettle.

Get your debt settlement in writing

Always get your debt settlement agreement in writing. This prevents dishonest debt collectors from going around you and seeking a default judgment even after you settle your debt.

The same applies to your written correspondence. Save your emails, letters, and other documents to protect yourself fully. SoloSettle makes this step easy because all communications go through the SoloSettle app software.

Experience life after debt

Resolving your debt is easy when you have the right strategy. Negotiating a lower settlement will save you money as well as ensure that you get out from under debt as soon as possible.

Settle with SoloSettle

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