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Kinum Inc

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Fact: Pursuant to the Fair Debt Collection Practices Act, communications from collection agencies must contain this Mini Miranda warning: “This is an attempt to collect a debt.”

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 4 Comments

    1. Latoya Quarles on June 29, 2015 at 4:58 pm

      They have called me countless times back to back from different numbers. They have called my place of employment yelling and screaming at myself and my supervisor. Very rude and when I asked for information on my case they either wont tell me or hang up in my face. Have threatened me multiple times and Im just fed up

    2. Vanessa E. on August 5, 2015 at 9:55 pm

      Kinum Inc calls from 8557071500. Marshall Davis from Kinum Inc is saying he’s going to serve me and I should make myself available.

    3. Jake on February 29, 2016 at 10:54 am

      They called me at work and asked to update my information. I told them that I didn’t know I had a debt and that I wanted to talk to the company before I paid anything because it was a little weird. He said it was way beyond that and I needed to take care of it now. I am in the military and I made the mistake of telling him that. When I told him I wanted to talk to the company before making any payment he said “well thank you for updating your employment information, that should help us get the payment”. Bottom line, he called out of the blue, was a jerk to talk to even when I was trying to be pleasant, and then threatened to call the military on me…

    4. Jamie G. on March 1, 2016 at 3:10 pm

      They call my work everyday looking for my mother and had told me about her debt though I am a third party. My work doesn’t accept personal calls, and she doesn’t work here. They hang up on me, they have yelled at me, and not ONCE have they ever said it was an “attempt to collect a debt.” They either ask for her and hang up or they sit and argue with me and talk over me when I’m trying to get them to stop calling me at work. Its obnoxious and I will be reporting them to BBB and the FCC for harassment.

      Mr Klinger and others call from 630-480-4327 at first he denies what they’re calling about and then i confronted him on it again and he admitted it. He hung up on me.

    5. Wes Carlile on October 30, 2018 at 11:18 am

      I have received over 45 time so far in the month of Oct. These does not include how many time they called my wife. I remind them not to call until 5pm today. And he became rude and threats.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.