Kinum has served thousands of businesses, government institutions, colleges, hospitals, dental and medical practitioners for over a decade. We are fully licensed in California, as well as in all 50 states and Puerto Rico. If your debtor moved outside California, we can still pursue collections nationwide. We have dedicated teams to recover B2B (Commercial debt) and B2C (Consumer debt).
What distinguishes us from other collection agencies:
- We are extremely easy to use and work as per your needs (and not the other way around).
- Select between the low-cost Flat-Fee connect service (accounts never expire and debtor pays directly to you), or the traditional Contingency service.
- We understand that your business reputation is essential. As for how the debtors/patients are treated, Kinum has one of the highest Google Ratings of all collection agencies. Over 1300 Google reviews averaging 4.8 out of 5, and 90% of reviews are from people we’ve collected money.
- There is no minimum balance requirement, no minimum number of accounts, no set-up fees, and an open-ended, non-committal customer agreement.
- Free Credit Bureau reporting.
- High recovery rates. FDCPA, HIPAA, TCPA and GLBA compliant.
- Easy to use and apart from a central customer service team, you will be assigned a dedicated Sales Rep who can be reached directly.
- We take security very seriously. All accounts are managed through our secure online client portal with 2-factor authentication enabled.
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California Collection Laws:
Here’s an overview of some of the most important debt collection laws in California:
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The Rosenthal Fair Debt Collection Practices Act (RFDCPA):
- This California-specific law is an extension of the federal Fair Debt Collection Practices Act (FDCPA). It regulates the behavior and practices of debt collectors in the state.
- The RFDCPA broadens the definition of “debt collector” to include creditors collecting on their own debts and attorneys who collect debts on a regular basis.
- Prohibitions under this act include: using obscene or abusive language, making false threats of violence or legal action, disclosing the debtor’s debt to third parties without permission, and calling at unusual or inconvenient times.
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California Civil Code Section 1788-1788.33:
- This section outlines specific protections for California consumers against abusive debt collection practices. These regulations serve as the backbone of the RFDCPA.
- It mandates that debt collectors provide specific notifications to consumers and includes provisions against misrepresentation and unfair practices.
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Time-Barred Debts:
- California has a statute of limitations on the time period during which a creditor or collector can sue to collect a debt. The exact length of time varies based on the type of debt. For instance:
- Oral contracts: 2 years
- Written contracts: 4 years
- Promissory notes: 4 years
- Open-ended accounts (e.g., credit cards): 4 years
- California has a statute of limitations on the time period during which a creditor or collector can sue to collect a debt. The exact length of time varies based on the type of debt. For instance:
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Communications:
- Debt collectors are generally restricted from contacting consumers at their place of employment if they are informed (either orally or in writing) that the consumer is not allowed to receive such communications there.
- Collectors cannot contact consumers before 8 a.m. or after 9 p.m. local time, unless the consumer gives permission.
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Debt Validation:
- Under California law, if a consumer disputes a debt in writing within 30 days of the first contact from the collector, the collector must cease collection efforts until they provide verification of the debt.
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Wage Garnishment:
- California has specific laws that limit the amount of wages that can be garnished to repay a debt. The state provides greater protection than federal law, allowing only the lesser of 25% of a worker’s disposable earnings or the amount by which a worker’s disposable earnings for the week exceed 40 times the state minimum hourly wage.
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Exemptions:
- Certain types of income, like social security, disability, and retirement, are exempt from garnishment in California.
It’s essential for both consumers and debt collectors to be familiar with these laws to ensure they are protected and act within legal boundaries.