As the owner of a company primarily serving the healthcare industry, I’ve experienced every side of the system, from patient care to billing and, yes, to bad debt collections. My clients aren’t just business partners, they are family. For more than two decades, their compassion and dedication helped sustain my beloved son, Andre, who bravely battled Ehlers-Danlos Syndrome until his passing in December 2022. Without their care, I would have lost him much sooner. Andre was my world, and now his brother Brighton and I live life boldly and fully in his honor.

Guided by that love and gratitude, I am proud to continue evolving both of my corporations; National Business Factors, Inc., known as “The Collection Agency with a Heart,” and The NBF Group, Inc., our Early-Out Accounts Receivable Management Company. While National Business Factors, Inc. focuses on compassionate, compliant recovery of past-due balances, The NBF Group Inc. mirrors the very hospitals and healthcare systems we represent, working directly with patients and insurance companies personally to resolve balances with care, precision, and understanding. We believe that every account tells a story, and our role is to help bring it to resolution through empathy, accuracy, and accountability. The ever-changing laws and credit regulations have made it harder for providers to help patients, but we remain the bridge supporting both sides with respect, diligence, and results.

While my post-COVID schedule may look a little different these days, my connection to clients remains as strong as ever. Whether it’s a call, text, email, Teams chat or Zoom meeting I’m always just a conversation away.

I began my NBF journey in 1985 as a collector, became Collection Manager, and later Vice President of Customer Relations before stepping into my current role as CEO and Owner. I hold a Collection Agency Manager’s Qualification Certificate with the State of Nevada, Department of Business and Industry, Financial Institutions Division, and regularly conduct FDCPA seminars and client in-services throughout the West. My background also includes banking, management, and specialized certifications from the American Collectors Association, College of Marin, and Sonoma State University.

Now, as a proud empty nester, I’m learning to navigate life in my big quiet home with the joyful chaos of my three Boston Terriers, my constant companions and reminders to keep moving forward. Outside of work, I devote time to volunteering in my community, especially for programs that support youth and individuals with special needs a cause forever close to my heart.

At the end of the day, I believe success comes from service to clients, to community, and to the people we love. 💙

A big part of what we do revolves around customer service… working one-on-one with clients to create custom electronic files and reports that make their work easier and more efficient. One of my top priorities is ensuring that our solutions not only solve problems but do so in a way that saves time and frustration. There’s nothing quite like the satisfaction of troubleshooting a tough issue and seeing that “it finally works!” moment. The daily collaboration with NBF employees and clients keeps my work both rewarding and fun.

Our department faces the constant challenge of keeping up with the ever-changing IT landscape, but that’s part of what keeps things exciting. We’re a crucial part of NBF’s operations… helping every other department run smoothly (and occasionally reminding them to restart their computers). My role expanded, in 2024, into “Director of Operations and Technology”, which means I now get to combine my love for IT with overseeing broader business operations. Same Kim, new hat and yes, I still fix things when they break.

I grew up in beautiful Mammoth Lakes, CA, where I spent my time skiing, riding my quad, and playing tennis. After high school, I moved to Carson City and graduated from beauty school. I’ve worked in many industries, but technology stole my heart, and I’ve been with NBF since 2004. I started at the front desk, worked my way up to IT and Mail Room Manager, took a brief adventure away in 2020, and thrilled to be back with my NBF family since 2021.

Outside of work, you can find me spending time with my family, camping and thoroughly spoiling my dogs (who, by the way, think they run IT at home).

Since joining NBF in 2000 as a Legal Clerk, I’ve been deeply committed to building a proactive compliance culture one that not only meets regulatory standards but empowers our teams to lead with integrity and confidence. My passion lies in decoding legislation, interpreting regulatory shifts, and staying ahead of industry changes to ensure our organizations remain safe, informed, and resilient. I thrive on collaboration and transparency, and I enjoy working directly with clients to guide them through the ever-evolving landscape of collection laws and practices. Protecting both companies isn’t just my responsibility, it’s truly my passion.

Before stepping into the world of compliance, I worked in banking, where I developed a strong foundation in financial operations and regulatory oversight. I earned my Bachelor of Arts in Social Studies with an emphasis in Political Science from the University of Nevada, Las Vegas (UNLV), followed by master’s degrees in both Business Administration and Public Administration.

I hold a Compliance Manager Certificate with the State of Nevada and am certified as a Credit Collection Compliance Officer (CCCO) through ACA International. I currently serve as Vice President of the Nevada Collectors Association and as a member of ACA’s Unit Leadership Team.

In addition to working in the world of compliance, I am founder of a nonprofit, Active Without Limits. This nonprofit empowers individuals of all abilities to achieve their health and wellness goals through inclusive fitness, adaptive sports, and holistic support that promote strength, confidence, and community.

In my spare time you can find me training for my next 5k or my next half-marathon, or you could find me in my kitchen testing a new healthy recipe, or simply spending time with my two dogs, a chocolate lab and a corgi.

Each position I’ve held has contributed to my professional growth, sharpening my skills and broadening my perspective. I’m deeply grateful for the opportunities I’ve been given and the trust placed in me throughout the years.

In addition to my role as Controller, I also serve as Human Resource Director. This dual responsibility allows me to support our employees through guidance, advocacy, and oversight of all HR functions, something I find incredibly rewarding.

Witnessing the ongoing growth and positive culture at NBF has been a true privilege. I’ve been fortunate to learn from exceptional mentors whose generosity, wisdom, and support have left a lasting impact. Their example continues to shape the way I lead and mentor my own team, and for that, I am sincerely thankful.

Things To Know About Destiny

Destiny and her husband cherish the time spent with their three grown children and continue to celebrate each of their accomplishments with pride. With one son serving as an Army, Sergent, another thriving in his chosen trade, and their daughter, a college graduate, recently launching into adulthood. Destiny couldn’t be prouder of the paths they’ve chosen to take. Now fully embracing empty nest life, Destiny and her husband enjoy boating together, traveling, and soaking in the peace and quiet of their home.  Destiny’s passions include gardening, interior design, DIY projects, and making the most of this new chapter with her family and friends.

Through hard work and dedication, I have advanced to my current role as Client Relations Manager. My background in customer service continues to serve me well—I understand the importance of listening carefully to patients’ needs while meeting our clients’ expectations with professionalism and care. With my position, I get to use this opportunity to have open and engaging relationships with our clients for both National Business Factors, Inc. and The NBF Group, Inc. 

I am fortunate to work alongside mentors who share their wealth of industry knowledge and continually inspire me to grow within the company. The job I do is complex and challenging but rewarding knowing that I am making a difference for both corporations.

Outside of work I enjoy my spare time reading and being with my two daughters, our oversized dog, and the newest addition to our family, a feisty kitten.

In my current role, I lead a committed team focused on supporting consumers in resolving their debts with respect, empathy, and integrity. I’ve built a strong foundation in guiding my team through the many laws and regulations that shape the collection industry, ensuring that every consumer interaction fosters trust and understanding. These meaningful connections not only impact on the lives of consumers but also reinforce the importance of our consumer-centric approach.

Through the Association of Credit and Collection Professionals (ACA International), I have earned my Professional Collection Manager (PCM), Collection Industry Professional (CIP), and Professional Collection Specialist (PCS) certifications. I am deeply grateful to my NBF family for their unwavering support throughout my professional journey—their mentorship has been a cornerstone of my growth.

Outside of work, I enjoy discovering new and exciting places to travel and explore and spending quality time with family and friends.