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LEGAL NOTICES

Our Nationwide Mortgage Licensing System (NMLS) ID# is 1111855.

Amos Financial LLC’s office hours are Monday through Friday (except holidays), 9:00 a.m. to 5:00 p.m. Central Time. Our toll-free number is 866-213-4957.

For California Residents:

The State Rosenthal Fair Debt Collections Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. 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 .

You may request records showing the following: (1) that Amos Financial LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor’s or debt buyers records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. 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 Amos Financial LLC, 3330 Skokie Valley Road – Suite 301, Highland Park, IL 60035.

For Colorado Residents:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE .

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.

Amos Financial LLC’s local Colorado office is located at 80 Garden Center, Building B, Suite 3, Broomfield, CO 80020. Telephone: 303-920-4763.

For Massachusetts Residents:

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 CREDITOR.

For Minnesota Residents:

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

For New York State Residents:

If a creditor 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. Veteran’s 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.

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. The use of obscene or profane language; and
  3. Repeated phone calls made with intent to annoy, abuse, or harass.

For New York City Residents:

Our New York City Department of Consumer Affairs License Number: 1440608.

Amos Financial LLC does not provide any language access services and we are not able to provide you with a translation of any communication into a language other than English. A translation and description of commonly used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs’ website .

For North Carolina Residents:

Amos Financial LLC’s North Carolina permit number is 114097.

For Texas Residents:

COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550.