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# TrueAccord
## Sitemaps
- [XML Sitemap](https://www.trueaccord.com/sitemap_index.xml): Includes all crawlable and indexable pages.
## Posts
- [Is the Best Debt Collector an Algorithm? ](https://www.trueaccord.com/is-the-best-debt-collector-an-algorithm/): Is the best debt collector an algorithm? See how this technology stacks up against human collectors and other emerging tools like chat bots.
- [What Does the Right Debt Collection Message Look Like?](https://www.trueaccord.com/what-does-the-right-debt-collection-message-look-like/): What does the right debt collection message look like? Find out why the answer lies within personalization at scale and meeting consumer's unique preferences.
- [3 Ways to Reduce Friction in the Debt Collection Process](https://www.trueaccord.com/3-ways-to-reduce-friction-in-the-debt-collection-process/): Learn three different strategies debt collectors can use to help reduce friction for consumers going through the recovery process.
- [What Collectors Need to Know About Consumer Behaviors](https://www.trueaccord.com/what-collectors-need-to-know-about-consumer-behaviors/): Get an inside look at some important consumer behaviors that play an impact on the effectiveness of debt collection strategies.
## Pages
- [Resources](https://www.trueaccord.com/resources/): Explore a variety of helpful digital debt collection resources built by TrueAccord, a premier omnichannel collection agency that specializes in leveraging AI to create a consumer-first experience.
- [Third-Party Digital Collection](https://www.trueaccord.com/third-party/): AI-powered engagement
- [First-Party Digital Collection](https://www.trueaccord.com/first-party/): Frictionless, efficient scalability
- [Responsible Disclosure Policy](https://www.trueaccord.com/responsible-disclosure-policy/): At TrueAccord, the security of our infrastructure is a top priority. We recognize the vital role that independent security researchers play in keeping the digital ecosystem safe. This policy outlines our commitment to coordinating with the security community and provides a "Safe Harbor" for researchers acting in good faith.
- [Homepage](https://www.trueaccord.com/): TrueAccord is the premier omnichannel debt collection agency, leveraging data science and AI technology to deliver superior results with a consumer-friendly experience.
- [Deliverability – The Most Important Metric You’re Not Measuring](https://www.trueaccord.com/email-deliverability/): Especially when you consider the most common reason for missing a payment is because delinquent customers simply forget to pay their bill.
- [Patents](https://www.trueaccord.com/patents): About TrueML’s Patents:
- [TrueAccord SMS Terms of Service](https://www.trueaccord.com/sms-terms/): Welcome to text messaging with TrueAccord, a debt collector. We send text messages to the phone number provided by our client, the current creditor, in the placement file associated with an account in our office for collection. If you are not the individual associated with the account, please respond WRONG NUMBER, email support@trueaccord.com, or call our office at 1-866-611-2731.
- [Payment Plan Terms of Service](https://www.trueaccord.com/payment-plan-terms-of-service/): This Payment Plan Terms of Service (Payment Terms) is a binding legal contract made between you and TrueAccord Corp. containing the terms and conditions that you must comply with and are bound by if you enter into a payment arrangement through TrueAccord’s payment portal to electronically pay amounts you owe on your past due account placed with our office for collection.
- [E-Sign Disclosure and Consent](https://www.trueaccord.com/e-sign-disclosure-and-consent/): This E-Sign Disclosure and Consent applies to all records and communications delivered electronically by TrueAccord Corp.
- [Virtual Agents](https://www.trueaccord.com/virtual-agents/): At TrueAccord we talk to our customers in a variety of ways, including emails, letters and calls.
- [Privacy Policy](https://www.trueaccord.com/privacy-policy/): The TrueAccord Corp. (TrueAccord) Privacy Policy was last updated on June 23, 2026.
Featured
Regulation F: Call-and-Collect vs Digital Communications
Under Regulation F, what are the different rules for phone calls and voicemails compared to digital communications like email and SMS messaging?
Download Now
The State of Compliance & Collections
This eBook is our new comprehensive collection of articles focused on compliance impacting the debt collection industry(and beyond)
Download Now
Top Five Compliance Questions Answered
Answers to the top 5 collection compliance questions from experts.
Read Now
Regulation F: Inconvenient Time Rule
What is the inconvenient time rule under Regulation F?
Watch Now
Using Regulation F to Maximize Recovery
Leverage Reg F to improve digital collection communications.
Watch Now
The Future of Collections & Compliance
The future forecast for compliance in debt collection.
Read More
Patchwork of Compliance Regulations
Federal, state, & municipal compliance laws—are you keeping up?
Read More
Code-Based Compliance for Collections
What is code-based compliance in debt collection?
Read Now
An Effective Compliance Strategy for Collections
What is a compliance management system for collections?
Read Now
Compliance Mythbusters
Common collection compliance misconceptions clarified.
Read Now
District Court Rules In Favor of TrueAccord
New ruling helps clarify parameters of digital debt collection communication.
Read Now
Compliance & Collections: 22 Essential Terms to Know
The foundational vocabulary of legal and regulatory terms for debt collection.
Read Now
No results.
- [Collections & Compliance](https://www.trueaccord.com/collections-compliance/): Legal compliance is at the forefront of understanding the future of the collections industry and what it means to prioritize consumers. Discover the foundational components of a strong compliance strategy, reflect on the impact of Regulation F and other major legislation, look ahead at how compliance is shaping the customer experience and lender operations.
- [Rising Delinquencies](https://www.trueaccord.com/rising-delinquencies/): Power a digital engagement experience that reduces charge-offs. Scale it with technology infrastructure and a team of experts.
- [Outbound Calling Doesn’t Work, Here’s What Does](https://www.trueaccord.com/outbound-calling-doesnt-work): The first prediction of call center demise came in the year 2000 “Death of the Call Center,” and it’s been echoing in headlines ever since.
- [Calculator](https://www.trueaccord.com/resources/calculator): Scenario plan how much additional revenue and cost savings you would experience with a shift to an intelligent, digital-first strategy.
- [Contact Sales | See TrueAccord’s digital-first Debt Collection Solutions](https://www.trueaccord.com/schedule-a-consultation): Join more than 95 industry leaders who recover more with TrueAccord. Data science and AI technology elevate first and third-party collections with a personalized, consumer-friendly experience that delivers superior results.
- [Year In Review](https://www.trueaccord.com/year-in-review/): That’s the number of consumers who worked with TrueAccord in 2021 to
- [Regulation F Quiz](https://www.trueaccord.com/resources/regfquiz): This short quiz will help you assess how much you really know about Regulation F and its potential effects on your debt collection practices
- [Vision & Values](https://www.trueaccord.com/about-us/vision-and-values): TrueAccord’s vision is to restore hope and financial stability for those who lost them. Here at TrueAccord, we’re proud of our values: Mission-Focused, Results Driven Understand how your work advances the mission Use mission in decision making and prioritization Deliver outstanding outcomes and measure impact rather than effort Accept short term pain for long term gain Be a Team Player Socialize learning, ideas, and plans with stakeholders Leverage the best thinking of others Lean constructively into conflict, communicate openly and directly Prioritize collective success over personal success Know and play your position Be clear on the decision-maker, pushing decisions as low into the organization as possible Respect and get behind decisions Empathy Always, in All Ways Seek to understand the needs, challenges, and objectives of others Tap the power of diverse perspective Be open-minded; allow yourself to be convinced Make rough decisions with humanity Take the time to be kind Controlled Disruption Reinvent by taking calculated risks Challenge existing assumptions & ask “why?, why not?” Think big, start small, learn fast Anticipate upstream and downstream impacts Accept discomfort to shape the future Bring Your “A” Game Come prepared and ready to contribute Demonstrate the mastery of your craft Articulate the what & the why Acknowledge and learn from mistakes so you/we don’t repeat them Stretch yourself
- [Late Stage Collections](https://www.trueaccord.com/product/late-stage-collections/): Drive improvements in liquidation with the intelligent, digital-first collections platform that puts consumers in control of their own financial health.
- [Recruiting](https://www.trueaccord.com/recruiting): 1
- [Thank You – Assessment](https://www.trueaccord.com/thank-you-assessment): Look at your inbox to see how your collections operations rank against changing consumer preferences and industry benchmarks.
- [How It Works](https://www.trueaccord.com/product/how-it-works): TrueAccord uses patented machine learning and digital technology to deliver a personalized, self-serve experience that drives consumer engagement and industry-leading results.
- [About Us](https://www.trueaccord.com/about-us): In 2013, our CEO was hounded by collectors for a small amount on a store credit card that he forgot to pay. Several calls from unknown numbers and one unpleasant conversation later, Ohad Samet was determined to reimagine the debt collection process. It was inherently wrong: the focus on just phone calls, the tacked-on “convenience” fees, the authoritative voice on the other side of the line, and most of all, the lack of empathy for the consumer.
- [Assessment](https://www.trueaccord.com/resources/assessment): Assess Your Collections This short quiz will help you analyze your current collections process and learn how they stack up against industry benchmarks.
- [Press](https://www.trueaccord.com/press): BadCredit.org3/7/2024
- [Thank You for Subscribing](https://www.trueaccord.com/thank-you-for-subscribing): You’ll begin to receive emails from TrueAccord shortly. In the meantime, enjoy more great content on the TrueAccord blog.
- [Contact Us](https://www.trueaccord.com/contact-us): Get in touch with the right people at TrueAccord
- [API Docs](https://www.trueaccord.com/resources-api-docs): The TrueAccord REST API allows you to interact with your account programmatically. Currently, it allows you to upload customers and amounts to be recovered from them and query their most recent status. All the requests to the API must be done over HTTPS.
- [Thank You](https://www.trueaccord.com/thank-you): Our team will reach out as soon as possible. If you’d like to get in touch with us immediately, you can email us at sales@trueaccord.com.
- [Collections Compliance](https://www.trueaccord.com/compliance/collections-compliance): TrueAccord is a licensed, bonded, and insured collection agency in all jurisdictions where we collect. Our legal team follows developments in regulations and case law to develop policies and procedures according to their constant changes.
- [Leadership](https://www.trueaccord.com/about-us/leadership): Leadership Mark Ravanesi Chief Executive Officer Katie Neill General Counsel & Chief Compliance Officer Cassie Mulloy Senior Director, Operations Kelly Paul Senior Director, Client Experience Joe Wilde Senior Director, Business Planning Eric Nevels Sr. Director, Operations Support
- [Careers](https://www.trueaccord.com/about-us/careers): We’re a group of humble and hard-working people with a passion for change (and a strong Giphy game). Growing and scaling companies is hard work. Our company succeeds because our employees have the spirit to thrive in a fast-paced environment. We strive to do better every day because we share a growth-oriented mindset.
- [Thank You for Signing Up](https://www.trueaccord.com/thank-you-for-signing-up): A confirmation email will arrive in your inbox shortly. In the meantime, enjoy more great content on the TrueAccord blog.
- [Case Study Upwork and TrueAccord](https://www.trueaccord.com/case-study-upwork-and-trueaccord): Upwork is creating the world’s largest online workplace and is trusted by over 5M businesses to source freelancers, independent professionals, and agencies for all their hiring needs.
- [Information it Security](https://www.trueaccord.com/compliance/information-it-security): TrueAccord’s data security and IT policies are built to satisfy the requirements of the most security-sensitive financial institutions. Our infrastructure is designed to provide the highest level of protection for your customers’ personal data.
- [RMA Certified Contacts](https://www.trueaccord.com/rma-certified-contacts): Certification Number: C1901-1123Certified Since: Jan 31 2019
- [California Consumer Privacy Act](https://www.trueaccord.com/privacy-policy/california-consumer-privacy-act): If you do not see your creditor listed below, please go directly to their website.
- [Terms of Service](https://www.trueaccord.com/terms-of-service): This website www.trueaccord.com, its subdomains and all consumer account pages reached through a link in our digital communications, including the payment portal (collectively, “Website”) is the property of TrueAccord Corp. (“TrueAccord,” “we,” “us,” or “our”). This Website Terms of Use represents a legal document that governs the legal terms of our Website and any information provided via the Website (“Content”). The last update to our Terms of Use was posted on April 14, 2026.
- [Payment Terms](https://www.trueaccord.com/payment-terms): This Agreement is a binding legal contract made between you and TrueAccord Corp., a Delaware Corporation (“TrueAccord”, “We”, “Our”). This Agreement contains the terms and conditions thatyou must comply with and are bound by if you wish to access and use TrueAccord’s Payment Plan and auxiliary services (“Service”) which allows you to electronically pay amounts you owe on your past due account placed with ouroffice for collection.
- [Licensing Compliance](https://www.trueaccord.com/compliance/licensing-compliance): TrueAccord License Numbers
## Resources
- [AI Governance Playbook](https://www.trueaccord.com/resource/ai-governance-playbook/)
- [Interactive Scorecard How Strong Is Your Omnichannel Collections Strategy?](https://www.trueaccord.com/resource/interactive-scorecard-how-strong-is-your-omnichannel-collections-strategy/)
- [Omnichannel Communication in Debt Collection](https://www.trueaccord.com/resource/omnichannel-communication-in-debt-collection/)
- [Fintech Recovers $500k Partnering with TrueAccord Within First Nine Months of 2024](https://www.trueaccord.com/resource/fintech-recovers-500k-partnering-with-trueaccord-within-first-nine-months-of-2024/)
- [TrueAccord Delivers Industry-Leading Engagement, Repayment for Scale-Up BNPL](https://www.trueaccord.com/resource/trueaccord-delivers-industry-leading-engagement-repayment-for-scale-up-bnpl/)
- [TrueAccord Self-Serve Portal: The Low Friction Way for Consumers to Repay Debt](https://www.trueaccord.com/resource/trueaccord-self-serve-portal-the-low-friction-way-for-consumers-to-repay-debt/)
- [Online Lender Achieves Better Collections and Consumer Experience Across Borrower Lifecycle with TrueAccord](https://www.trueaccord.com/resource/online-lender-achieves-better-collections-and-consumer-experience-across-borrower-lifecycle-with-trueaccord/)
- [Leading Telecoms See Up To 35% Liquidation Increase Switching to TrueAccord for Digital-First, Omnichannel Debt Collection](https://www.trueaccord.com/resource/leading-telecoms-see-up-to-35-liquidation-increase-switching-to-trueaccord-for-digital-first-omnichannel-debt-collection/)
- [Digital-First Engagement Out-Performs Call-and-Collect for National Bank’s Late-Stage Debt Recovery](https://www.trueaccord.com/resource/digital-first-engagement-out-performs-call-and-collect-for-national-banks-late-stage-debt-recovery/)
- [How to Evaluate a Debt Collection Partner: Top 10 Questions to Ask](https://www.trueaccord.com/resource/how-to-evaluate-a-debt-collection-partner-top-10-questions-to-ask/)
- [Email Deliverability: Six Key Questions to Ask Your Debt Collection Provider (and How TrueAccord Measures Up)](https://www.trueaccord.com/resource/email-deliverability-six-key-questions-to-ask-your-debt-collection-provider-and-how-trueaccord-measures-up/)
- [Why Evolve from Outbound Calling to Omnichannel Engagement?](https://www.trueaccord.com/resource/why-evolve-from-outbound-calling-to-omnichannel-engagement/)
- [The Omnichannel Approach: Picking the Right Blend of Technology and Human Touchpoint](https://www.trueaccord.com/resource/the-omnichannel-approach-picking-the-right-blend-of-technology-and-human-touchpoint/)
- [Consumer Finances, Student Loans and Debt Repayment in 2023](https://www.trueaccord.com/resource/consumer-finances-student-loans-and-debt-repayment-in-2023/)
- [Your Roadmap to Better Recovery in 2023](https://www.trueaccord.com/resource/your-roadmap-to-better-recovery-in-2023/)
- [Rising Delinquencies and Your Bottom Line in 2023](https://www.trueaccord.com/resource/rising-delinquencies-and-your-bottom-line-in-2023/)
- [The Buyer’s Guide to Effective Third-Party Collections](https://www.trueaccord.com/resource/5370-2/)
- [Upgrade Debt Recovery & Collection With HeartBeat](https://www.trueaccord.com/resource/upgrade-debt-recovery-collection-with-heartbeat/)
- [Decoding Machine Learning for Debt Recovery and Collection](https://www.trueaccord.com/resource/decoding-machine-learning-for-debt-recovery-and-collection/)
- [Buy Now, Pay Later, Consumer Preference and Collections Outlook](https://www.trueaccord.com/resources/bnpl-report.html)
- [Countdown to Reg F: Compliance Office Hours](https://www.trueaccord.com/resource/two-weeks-til-reg-f-compliance-office-hours/)
- [Beyond Digital:The Next Era in Collections](https://www.trueaccord.com/resource/beyond-digitalthe-next-era-in-collections/)
- [Snap Finance Case Study](https://www.trueaccord.com/resources/snap-finance-case-study)
- [Aite Group’s Retail Banking and Payments Fintech Spotlight](https://www.trueaccord.com/resource/aite-groups-retail-banking-and-payments-fintech-spotlight/)
- [Consumer Debt in the Age of COVID-19](https://www.trueaccord.com/resource/consumer-debt-in-the-age-of-covid-19/)
- [Experian and TrueAccord’s Email Guide](https://www.trueaccord.com/resource/experian-and-trueaccords-email-guide/)
- [Digital Debt Collections 101 Webinar w/ Klarna](https://www.trueaccord.com/resource/digital-debt-collections-101-webinar-w-klarna/)
- [Debt Collections Compliance Webinar](https://www.trueaccord.com/resource/debt-collections-compliance-webinar/)
- [Machine Learning 101 with Snap Finance](https://www.trueaccord.com/resource/machine-learning-101-with-snap-finance/)
- [Klarna Case Study](https://www.trueaccord.com/resource/klarna-case-study/)
- [Scaling Collections Sustainably with Affirm](https://www.trueaccord.com/resource/scaling-collections-sustainably-with-affirm/)
## Categories
- [Customer Experience](https://www.trueaccord.com/category/customer-experience/)
- [Industry Insights](https://www.trueaccord.com/category/industry-insights/)
- [Machine Learning](https://www.trueaccord.com/category/machine-learning/)
- [Product and Technology](https://www.trueaccord.com/category/product-and-technology/)
- [User Experience](https://www.trueaccord.com/category/user-experience/)
## Tags
- [Consumer Behaviors Collectors Should Know](https://www.trueaccord.com/tag/consumer-behaviors-collectors-should-know/)
- [Explore three strategies businesses can use to help reduce friction for consumers in the debt collection process.](https://www.trueaccord.com/tag/explore-three-strategies-businesses-can-use-to-help-reduce-friction-for-consumers-in-the-debt-collection-process/)
- [Get insight on some of the most important consumer behaviors that often have a direct impact on recovery rates for debt collectors.](https://www.trueaccord.com/tag/get-insight-on-some-of-the-most-important-consumer-behaviors-that-often-have-a-direct-impact-on-recovery-rates-for-debt-collectors/)
- [Is the Best Debt Collector an Algorithm?](https://www.trueaccord.com/tag/is-the-best-debt-collector-an-algorithm/)
- [Learn what goes into getting the right debt collection messages in front of the consumers.](https://www.trueaccord.com/tag/learn-what-goes-into-getting-the-right-debt-collection-messages-in-front-of-the-consumers/)
- [Learn why the best debt collector could be an algorithm and the benefits this technology offers businesses.](https://www.trueaccord.com/tag/learn-why-the-best-debt-collector-could-be-an-algorithm-and-the-benefits-this-technology-offers-businesses/)
- [Reducing Friction in the Collections Process](https://www.trueaccord.com/tag/reducing-friction-in-the-collections-process/)
- [What Does the Right Debt Collection Message Look Like?](https://www.trueaccord.com/tag/what-does-the-right-debt-collection-message-look-like/)