Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website. # TrueAccord: TrueAccord is the industry-leading recovery and collections platform powered by machine learning and a consumer-friendly digital experience. ## Sitemaps [XML Sitemap](https://www.trueaccord.com/sitemap_index.xml): Includes all crawlable and indexable pages. ## Pages - [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. - [Year in Review 2023](https://www.trueaccord.com/year-in-review-2023/): At TrueAccord our clients and customers are our top priority. As we look back on 2023, here are some of the things that matter to us the most. - [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-(888) 316-5474. - [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. - [Year In Review 2022](https://www.trueaccord.com/year-in-review-2022/): At TrueAccord our clients and customers are our top priority. As we look back on 2022, here are some of the things that matter to us the most.

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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?
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The State of Compliance & Collections

This eBook is our new comprehensive collection of articles focused on compliance impacting the debt collection industry(and beyond)
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Top Five Compliance Questions Answered

Answers to the top 5 collection compliance questions from experts.
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Regulation F: Inconvenient Time Rule

What is the inconvenient time rule under Regulation F?
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Using Regulation F to Maximize Recovery

Leverage Reg F to improve digital collection communications.
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The Future of Collections & Compliance

The future forecast for compliance in debt collection.
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Patchwork of Compliance Regulations

Federal, state, & municipal compliance laws—are you keeping up?
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Code-Based Compliance for Collections

What is code-based compliance in debt collection?
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An Effective Compliance Strategy for Collections

What is a compliance management system for collections?
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Compliance Mythbusters

Common collection compliance misconceptions clarified.
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District Court Rules In Favor of TrueAccord

New ruling helps clarify parameters of digital debt collection communication.
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Compliance & Collections: 22 Essential Terms to Know

The foundational vocabulary of legal and regulatory terms for debt collection.
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- [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.

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Featured Case Study

Omnichannel Communication in Debt Collection

An in-depth look at advanced engagement strategy by each unique communication channel
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AI Governance Playbook

The adoption of AI technology by businesses is accelerating at a record pace, but teams often get stuck on implementing effective governance. Our playbook is here to set you up for success.
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Interactive Scorecard How Strong Is Your Omnichannel Collections Strategy?

Complete this 10-question assessment to evaluate your omnichannel collections strategy and identify opportunities to improve recovery performance.
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Fintech Recovers $500k Partnering with TrueAccord Within First Nine Months of 2024

TrueAccord’s digital solutions enable 95% of the fintech’s delinquent consumers to engage through self-serve options—no additional headcount required.
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TrueAccord Delivers Industry-Leading Engagement, Repayment for Scale-Up BNPL

BNPL overcomes the challenges of late-stage debt collection with a cost-effective, scalable, and consumer-friendly approach by TrueAccord.
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TrueAccord Self-Serve Portal: The Low Friction Way for Consumers to Repay Debt

Discover why TrueAccord’s Self-Serve Portal makes it easy for businesses and consumers to resolve delinquencies.
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Online Lender Achieves Better Collections and Consumer Experience Across Borrower Lifecycle with TrueAccord

TrueAccord proved more effective for one online lender’s late-stage collections and overall empathetic approach to financial services.
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Leading Telecoms See Up To 35% Liquidation Increase Switching to TrueAccord for Digital-First, Omnichannel Debt Collection

The telecommunications industry has evolved and call-and-collect debt recovery can’t keep up—but TrueAccord’s digital-first approach delivers a more effective way to collect.
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Digital-First Engagement Out-Performs Call-and-Collect for National Bank’s Late-Stage Debt Recovery

Through the Champion-Challenger model, TrueAccord’s digital-first approach for debt collection consistently out-performed traditional call-and-collect for a well-established national bank.
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2023 Year in Review

In 2023, we continued to set new standards for what debt collection can and should be for our 16.5 million consumers served.
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How to Evaluate a Debt Collection Partner: Top 10 Questions to Ask

Discover the top questions to evaluate potential collection partners or re-evaluate current vendors who may be leaving recovery opportunities overlooked, plus why each question is important and what to look for in regards to each question.
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Email Deliverability: Six Key Questions to Ask Your Debt Collection Provider (and How TrueAccord Measures Up)

Email deliverability is the top metric most companies aren't measuring when it comes to debt collection success. Discover the key questions to ask your collections partner and see how they measure up.
Learn More

Deliverability: The Most Important Metric You’re Not Measuring

How do you know if your emails actually make it into your recipient’s inbox? It takes more than just measuring email delivery rate. Discover the most important metric you aren't measuring in your debt collection strategy—Deliverability—and how TrueAccord measures up.
Learn More

The State of Compliance & Collections 2023

Updated for 2023! This eBook is our new comprehensive collection of articles focused on compliance impacting the debt collection industry (and beyond).
Download Now

Why Evolve from Outbound Calling to Omnichannel Engagement?

Cost, compliance, and consumer preferences—by the numbers, this data-driven eBook compares call-and-collect vs a digital-first omnichannel approach in these three key areas for successful debt collection operations.
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The Omnichannel Approach: Picking the Right Blend of Technology and Human Touchpoint

This colorful eBook explains how an omnichannel approach benefits businesses, employees, and consumers in a creative way using analogies and metaphors.
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Consumer Finances, Student Loans and Debt Repayment in 2023

In this report, we take a data-driven look at the consumer financial landscape, student loan debt, and implications for other loan repayments in today’s economy.
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Your Roadmap to Better Recovery in 2023

With rising delinquencies, will your debt collection strategy keep up? Learn how to navigate the twists and turns in 2023 to drive better recovery in our latest eBook
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Year In Review 2022

TrueAccord’s Year in Review 2022—according to consumers, featuring quotes & stats from the millions who have engaged with TrueAccord to resolve debt this year.
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Rising Delinquencies and Your Bottom Line in 2023

This guide gives helps you understand the current economic & collections landscape, the pros and cons of building your digital engagement practice.
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Outbound Calling Doesn't Work, Here's What Does

This Microsite shows how outbound calling doesn't work due to labor shortages and shifting consumer behavior. Learn how to pivot to an inbound strategy.
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The Buyer's Guide to Effective Third-Party Collections

This ebook gives a guide to start conversations about post-charge off-collection strategy and give your customers with a path through digital-first collections.
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Upgrade Debt Recovery & Collection With HeartBeat

This ebook provides a guide to the differences between HeartBeat and other digital strategy components like data modeling and machine learning.
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Decoding Machine Learning for Debt Recovery and Collection

This ebook provides the frameworks to help you understand the basics of what machine learning is and its application in collections.
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What Labor Shortage, Wage Inflation, and Regulatory Restrictions Mean For Your Call Center

Watch our on-demand session to learn how to build an effective inbound call center with breakthrough results - plus a few other surprises.
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Buy Now, Pay Later, Consumer Preference and Collections Outlook

Read TrueAccord data about debt trends, repayment performance and consumer preferences to gain insight into the BNPL phenomenon and it's long-term outlook.
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Countdown to Reg F: Compliance Office Hours

Time is running out to get ready for Reg F. Is your organization on track? Watch our on-demand session to learn more.
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Beyond Digital:The Next Era in Collections

Watch our on-demand virtual summit to explore the next era of collections and network with other collections leaders—plus a few surprises.
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Snap Finance Case Study

This case study shows Snap Finance’s journey to build their first third-party collections program — and their decision to invest in TrueAccord’s ML-driven collection solution.
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Aite Group's Retail Banking and Payments Fintech Spotlight

Aite Group's “Retail Banking & Payments Fintech Spotlight” highlights how TrueAccord is disrupting the fintech industry and improving consumer experiences with debt.
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Consumer Debt in the Age of COVID-19

Learn about trends in U.S. consumers’ debt payments in 2020 and explore how companies can better service consumers while also driving revenue.
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Experian and TrueAccord's Email Guide

In this whitepaper, Experian and TrueAccord show how best to future-proof your debt collections strategy with email.
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Digital Debt Collections 101 Webinar w/ Klarna

Klarna shares its journey into digital debt collection and discuss its transformational impact on consumer experience.
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Debt Collections Compliance Webinar

Learn what the Biden administration means for lending organizations and how they can build more consumer-friendly collection practices this year.
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Machine Learning 101 with Snap Finance

Learn how machine learning can supercharge the collections process and how Snap Finance became advocates of digital-first, ML-powered collections.
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Klarna Case Study

This case study is a comprehensive guide for how to move collection operations from 100% in-house to 100% outsourced, which maximizes consumer engagement.
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Scaling Collections Sustainably with Affirm

Is it possible to scale quickly while prioritizing the consumer experience? Learn how to scale collections while remaining consumer-centric.
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- [Resources](https://www.trueaccord.com/resources): Whatever your organization’s technical needs, we have the tools and experts to onboard you today.  - [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 ## Sessions - [Countdown to November 30: Getting Ready for Regulation F](https://www.trueaccord.com/sessions/countdown-to-november-30-getting-ready-for-regulation-f/) - [Keynote: Understanding Consumers in Debt in 2021 (and Beyond)](https://www.trueaccord.com/sessions/keynote-understanding-consumers-in-debt-in-2021-and-beyond/) ## E-Books - [Future-proof your in-house](https://www.trueaccord.com/summit-ebooks/future-proof-your-in-house/) - [A Fortune 500 utilities company](https://www.trueaccord.com/summit-ebooks/a-fortune-500-utilities-company/)