Kompato is a tech-enabled debt collection agency.

Companies that want the best for their consumers partner with Kompato to help them resolve their debts in a way that works best for them. It’s likely that you have an outstanding payment or bill that you have missed with one of the companies we partner with.

Kompato is very serious about protecting your personal information. Verifying your details helps us ensure that we can best protect your privacy.

100% Yes. Kompato is a legitimate company that has the goal of treating every individual with fairness and empathy, using artificial intelligence to make financial services easy and seamless.

Kompato does not engage in credit reporting services. We provide regular updates to creditors regarding the payments you have made so that they can accomplish their obligations to update credit reporting agencies.

Kompato is here to assist you with your debt, however, we do not provide credit reporting services. For updates on your credit score, please contact the original creditor or the credit reporting agency handling your account.

Yes, you can typically make a one-time payment or pay off the remaining balance at any time while on a payment plan. There are no penalties for paying early in most cases. Here are key points to keep in mind:

• One-Time Payments: You can pay more than your regular installment or make a lump-sum payment to reduce your balance.
• Paying Off the Balance: You can pay off the entire remaining balance at once, which may even allow for negotiating a settlement in some cases.
• Agreement Terms: Check your payment plan agreement for any specific terms about early payments or lump-sum settlements.
• Credit Impact: Paying off the balance may still impact your credit report, depending on the account's status.

If you're considering paying off your debt early, contact us to discuss options and ensure you understand any potential benefits or implications.
 

Yes, you can pay off the remaining balance on your account at any time. There are no penalties for paying your balance early, and doing so may help resolve the debt more quickly. For assistance with paying off your balance, please contact us directly to discuss your options.

You can easily check the details of your existing payment plan by following these steps:

1. Online Account Access: If you have an online account with us, you can log in to view your payment plan details, including the amount due, payment schedule, and balance remaining.
2. Customer Service: You can contact our customer service team by phone or email. Our representatives will be happy to provide you with information about your payment plan, including any updates or changes to your account.

For assistance or to get up-to-date information, please contact us at [email protected] or log in to your online account

If you need to make changes to your payment plan, such as adjusting the payment amount or schedule, you can do so by following these steps:

1. Contact Us Directly: To request changes to your payment plan, please reach out to our customer service team by phone or email. A representative will assist you in reviewing your options and adjusting your plan based on your current financial situation.
2. Provide Updated Information: Be prepared to provide any necessary information, such as updated income details or other financial circumstances, so we can better understand your needs and offer a more manageable payment arrangement.
3. New Payment Terms: We may offer alternative payment options, such as a lower monthly payment, extended payment period, or different due dates. Any new terms will be outlined in an updated agreement.
4. Formal Agreement: If changes are approved, we will send you written confirmation outlining the revised payment plan for your records.

To begin the process of modifying your payment plan, please contact us at [email protected], and we’ll be happy to work with you to find a solution that fits your needs.

The time it takes for your scheduled payment to reflect on your account depends on several factors, including the payment method you use and the processing time. Here’s what you can expect:

1. Credit/Debit Card Payments: Payments made by credit or debit card are usually processed within 1-2 business days. After processing, your payment will reflect on your account balance.
2. Bank Account Payments (ACH): Payments made directly from your bank account may take 2-3 business days to process and reflect on your account, depending on your bank's processing time.
3. Checks or Money Orders: Payments made by check or money order typically take 5-7 business days to process and update your account after the check is received and cleared.
4. Payment Confirmation: Once your payment is processed, you will receive a confirmation (via email, text, or online account notification) that the payment has been successfully applied to your account.
5. Payment Schedule Timing: If your payment is scheduled on a weekend or holiday, it may take until the next business day for the payment to reflect on your account.

If you have any concerns about the timing of your payment or if it doesn’t appear on your account after the expected processing time, please contact us at [email protected], and our team will assist you.
 

We offer a variety of payment methods to make it as easy as possible for you to pay your account. The payment methods we accept include:

1. Credit/Debit Cards: You can pay using major credit or debit cards, including Visa, MasterCard, American Express, and Discover. Payments can be made online, by phone, or through our automated system.
2. Bank Account (ACH) Payments: We accept payments directly from your bank account using ACH transfers. You can schedule payments from your checking or savings account online or over the phone.
3. Checks (Paper or Electronic): You can make payments via personal check, cashier's check, or money order. Please send checks to the address provided on your billing statement or contact us for instructions on how to submit electronically.
4. Online Payments: You can make payments securely through our online portal using a variety of methods, including credit card, debit card, or ACH transfer.
5. Phone Payments: You can also make payments over the phone by calling our customer service team at 1-888- 566-7280. We accept credit/debit cards and ACH payments over the phone.

If you have any questions about payment methods or need assistance, please contact us at [email protected]. We are here to help!
 

Yes, you can set up a payment plan to manage your debt in a way that fits your budget. We offer flexible options to help you make payments over time. 

To start the process, please reach out to our customer service team by phone or email. A representative will discuss your account and work with you to create a payment plan based on your financial situation.
 

Yes, we provide proof of payments made to your account. Here’s how you can receive confirmation:

1. Payment Receipts: After each payment is processed, you will receive a payment receipt. This can be sent to you via email, text, or available for download in your online account portal, depending on your preferred method of communication.
2. Account Statements: You can request an account statement, which will show a detailed history of all payments made, including dates, amounts, and remaining balances. You can access these statements online or request one from our customer service team.
3. Confirmation Upon Request: If you need specific proof of a payment or if you have questions about your payment history, you can contact us directly. We will provide written confirmation of payments made to your account.

For assistance or to request proof of payment, please contact us at [email protected]. We're happy to help ensure you have the documentation you need.
 

Yes, As a licensed debt collection agency, Kompato complies with all applicable federal and state laws, including the Fair Debt Collection Practices Act (FDCPA). This ensures that we follow legal procedures when attempting to collect your debt. Kompato is authorized to collect your debt if it has been assigned to us by the original creditor or purchased from them.

If you’ve already paid off your debt but are still being contacted, there may be a few reasons why this is happening. Here's what you can do:

1. Check Your Payment Records: First, verify that the payment was received in full. Review your payment receipts, bank statements, or other proof of payment to ensure the debt was paid and no outstanding balance remains.
2. Allow Time for Processing: Depending on the payment method, it may take some time for the payment to be processed and reflected in our system. If you made the payment recently, please allow a few business days for the update.
3. Contact Us for Verification: If your payment has been made but you’re still being contacted, please reach out to us directly. Provide proof of payment (such as a receipt or bank statement), and we will investigate and update your account accordingly.
4. Dispute or Account Review: In some cases, there may be an error in our system or a misunderstanding. If you believe the debt was fully settled, we can review your account and ensure the issue is resolved.

If you have any questions or believe there has been an error, please contact us at [email protected]. We’re here to help resolve any issues promptly.

If you’ve already filed for bankruptcy or plan to do so, please inform us as soon as possible. You can contact our customer service team and provide documentation such as your bankruptcy filing number or case details. We will update your account accordingly and pause collection efforts.

If you have an active payment plan with us and are filing for bankruptcy, it may need to be adjusted or terminated. Your bankruptcy attorney can help determine how your payment plan will be affected.

If you’re filing for bankruptcy, please contact us at [email protected] to discuss your situation and ensure we have the correct information to update your account. We are here to help guide you through this process.

If we are contacting you about a debt you believe is not yours, it’s important to take action right away. 
Contact us within 30 days of receiving our first notice to request this information. We will then provide you with details about the debt, including the original creditor and the amount owed. Check any documentation we provide to confirm if the debt is indeed yours.

If you are certain the debt is not yours, you can formally dispute it in writing. Once we receive your dispute, we will halt collection efforts while we investigate the claim.

If you file a dispute with us regarding a debt, we take your concerns seriously and follow a specific process to resolve the issue. Here’s what happens after you submit your dispute:

1. Acknowledgment of Your Dispute: Once we receive your dispute, we will acknowledge it in writing. This confirmation will inform you that we’ve received your request and are in the process of investigating the matter.
2. Investigation Process: After you file a dispute, we will review the information you’ve provided and investigate the validity of the debt. This may include verifying the original creditor, reviewing account details, and confirming the accuracy of the balance.
3. Pause in Collection Activities: During the investigation, we are required to stop all collection activities, including phone calls and letters, until the dispute is resolved. This ensures that you are not being contacted while we verify the information.
4. Verification of Debt: If we determine that the debt is valid, we will provide you with verification documents, such as a copy of the original agreement or statements from the creditor. If the debt is not valid, we will close the account and cease collection efforts.
5. Communication of Outcome: Once our investigation is complete, we will notify you of the results in writing. If we find that the debt is valid, we will continue collection efforts and provide you with information on how to proceed. If we find that the debt is not valid, we will update your account accordingly and cease all collection activities.