We are required under state law to notify consumers of the following rights. This does not contain a complete list of the rights that consumers have under state and federal law.
This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Calls to and from this company are recorded and may be monitored.
If you live in California:
Knute Financial LLC California license number: 11499-99
If you live in Colorado:
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 other action authorized by law to collect the debt.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
Colorado Office Address: You may contact our office at 1776 S. Jackson Street, Suite 900, Denver, CO 80201 and by telephone at (303) 753-0100.
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 Federal Housing Finance Authority.
If you live in Connecticut:
This collection agency has an application pending to be licensed in Connecticut, License number: APPLICATION PENDING
If you live in Maine:
If you have an issue about the way we are collecting your debt, contact the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection at 35 State House Station, Augusta, ME 04333, 207-624-8527.
If you live in Maryland:
This agency is licensed in Maryland, NMLS ID: 2623464. You may access the following link to review additional license information: https://nmlsconsumeraccess.org/
If you live in 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.
If you live in Minnesota:
This collection agency is licensed by the Minnesota Department of Commerce.
If you live in Nevada:
If your account is related to a medical debt. Pursuant to Nevada Law, if you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as (1) An acknowledgement of the debt by you; (2) A waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligation relating to this debt(s), you should seek legal advice.
Nevada License Number: APPLICATION PENDING
Manager Certificate ID number: PENDING
If you live in New York:
We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., 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. use of obscene or profane language; and
3. repeated phone calls made with the intent to annoy, abuse, or harass.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may 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.
Contact Aaron Million at Knute Financial LLC at 1-888-791-2422.
If you live in New York City:
New York City Department of Consumer and Worker Protection License Numbers: 2124340-DCWP
Knute Financial LLC conducts its business in English. All communications are in English. A translation and description of commonly used debt collection terms is available in multiple languages at www.nyc.gov/dcwp.
If you live in North Carolina:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. This agency is licensed by the North Carolina Department of Insurance; Company Number: 522651242.
If you live in Tennessee:
This collection agency has an application pending to be licensed in Tennessee with the Collection Service Board of the Department of Commercial and Insurance, License number: APPLICATION PENDING
Refund Policy:
Payments made to Knute Financial LLC for valid amounts owed are final. If you believe you have been overcharged, you may request a refund in writing. Your request must include the date of the overcharge, the amount of the overcharge, and any documentation you have to support your claim. We will investigate your claim and, if we find that you were overcharged, we will issue a refund to you.