CALIFORNIA 

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8am. or after 9pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or  www.ftc.gov. 

You may request records showing the following: 

• that Kompato AI Inc. has the right to seek collection of the debt;
• the debt balance, including an explanation of any interest charges and additional fees;
• the date the debt became delinquent or the date of the last payment;
• the name of the creditor and the account number associated with the debt;
• the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
• the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 

You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: Kompato AI Inc, 3710 Rawlins Street, Suite 1420, Dallas, Texas, USA 75219  or  [email protected] The California license number issued to Kompato AI Inc is {Placeholder} 

COLORADO 

Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority. 

For information about the Colorado Fair Debt Collection Practices Act, see here:  https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/ 

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt. 

Colorado Resident Office: {Placeholder} 

Phone: toll free at 1-855-566-0777   

CONNECTICUT 

The Company’s NMLS ID for Connecticut is {Placeholder} 

DISTRICT OF COLUMBIA 

If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt: 

The name of the original creditor, and the name of any other owners of your debt, including the current owner; 

• Your last account number with the original creditor;
• A copy of the signed contract, signed application, or other documents which show your obligations;
• The date that your debt was incurred;
• The date of your last payment, if applicable; and
• An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance. 

You may request the above information by contacting us by phone, mail, or email, at the following: Address: Kompato AI Inc AI Inc, 3710, Rawlins Street, Suite 1420, Dallas, Texas, USA 75219 or  Phone: toll free at 1-855- 566-0777  E-mail Address:  [email protected]

You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt. 

IDAHO 

Toll-free telephone number: 1-855- 566-0777 

MAINE 

Toll-free telephone number: 1-855- 566-0777 

Our operating hours are Monday - Thursday: 9am-6pm ET, Friday 9am-5:30pm ET 

Our physical address is 3710 Rawlins Street, Suite 1420, Dallas, Texas, USA 75219 

MARYLAND  

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Kompato AI Inc NMLS# {Placeholder} at 3710 Rawlins Street, Suite 1420, Dallas, Texas, USA 75219, phone 1-855- 566-0777 NMLS# {Placeholder}

 https://www.nmlsconsumeraccess.org/ 

MASSACHUSETTS 

NOTICE OF IMPORTANT RIGHTS You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. 

Toll-free telephone number: 1-855-566-0777. Our operating hours are Monday - Thursday: 9am-6pm ET, Friday 9am-5:30pm ET

MINNESOTA 

This collection agency is licensed by the Minnesota Department of Commerce. 

NEVADA 

The Kompato AI Inc Nevada Collection Agency License {Placeholder} 

The Kompato AI Inc  Nevada Compliance Manager License  {Placeholder}

NEW YORK CITY 

Kompato AI Inc offers the following language access services to NYC consumers: 1) the option to speak with Kompato AI Inc representatives in {Placeholder}, {Placeholder} or the Philippines. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca 

New York City Department of Consumer Affairs license numbers: 

{Placeholder}-DCA – {Placeholder} 

{Placeholder}-DCA - {Placeholder} 

{Placeholder}-DCA - {Placeholder} 

Kompato AI Inc offers bilingual services to Spanish speaking consumers. {Need to re check}

NEW YORK STATE 

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: 

1. the use or threat of violence;
2. the use of obscene or profane language; and
3. repeated phone calls made with the intent to annoy, abuse, or harass. 

Kompato AI Inc is not a law firm. Kompato AI Inc does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of income from being taken to pay the debt: 

1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days. 

You may request communications in an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling toll-free 1-855-566-0777 during regular business hours. 

NORTH CAROLINA 

North Carolina Department of Insurance SBS Company {Placeholder) Physical Address:{Placeholder}  

North Carolina Department of Insurance SBS Company {Placeholder) Physical Address:{Placeholder} 

North Carolina Department of Insurance SBS Company {Placeholder) Physical Address:{Placeholder}