Debt collection, reinvented

Digital-first debt collection that delivers better results and happier consumers.

Our technology brings together the power of machine learning and an intuitive, self-serve digital experience to deliver:

Best-in-class performance

Recovery that automatically improves and optimizes over time, powered by our patented algorithm, HeartBeat



A digital, machine learning-powered platform that can scale efficiently to any collections volume


Superior consumer experience

Put consumers in control of resolving their debts with a flexible, self-serve digital platform


End-to-end personalization

Reach consumers with the right message, on the right channel, at the right time

Don’t just take our word for it.
Hear from the businesses and consumers we serve.

“We had a very positive experience. We started using them and the performance felt strong enough where we have never tested them against any other vendor.”
- Customer
“Nobody comes close to touching TrueAccord on net liquidation for end of the funnel debt.”
- Bank Customer
“TrueAccord is ~40-60% better than traditional agencies.”
- Customer

What consumers say on BBB and Google Reviews.

CF48CA98-514B-487A-AB0B-81D23C54DF48 4.8
CB97B02B-2568-4951-ACA7-1C92FE8BF92A A+

How it Works

Our solution personalizes the collections experience, driving higher engagement and commitment by individually tailoring every stage of the consumer journey.



consumers with the right messages and on the right channels



and optimize outreach over time to drive engagement, commitment, and follow-through



consumers to self-serve by providing easy-to-use digital tools to resolve debts



operations to any volume, while maintaining code-based regulatory compliance

Recover more compared to traditional agencies

Our results speak for themselves: more paying consumers, more payment plans that don’t break, and more kept promises. Our automated system works all accounts throughout the collection lifecycle.

We’re leaders in our field and work with trusted industry organizations and regulators.

Interested in the future of debt collection?​

Learn how TrueAccord’s digital-first debt collection delivers industry-leading results and a superior consumer experience.