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How to Beat TrueAccord

Dena Standley | August 17, 2022

Beating TrueAccord feels like ^^

Summary: Is TrueAccord bothering you about a debt? SoloSuit can help you take a stand, know your rights, and beat them in court.

Debt collection isn't the most exciting segment in the financial services industry. The entire experience is awful for everyone involved—lenders and borrowers alike. Debt, however, remains a constant in the lives of ‌many Americans. According to CNBC, in 2021, consumers' revolving credit levels reached $15.6 trillion, the highest level in history.

This is a problem that neither financial institutions nor tech startups have figured out, except for a few successful examples like TrueAccord Corp. TrueAccord's self-service payment allows consumers to pay off their debts to collections in a quick and efficient way. In today's digital generation that uses email, text messages, and instant messaging, mobile calls and mobile devices account for 30 percent of TrueAccord's service web traffic.

This article will teach you everything you should know about TrueAccord and how to beat them at their own game.

Let's dive right in.

What is TrueAccord, and how does it work?

TrueAccord Corp is a full-service digital-first debt collection agency licensed to collect in all 50 states. The company serves creditors across the country in a wide variety of industries from credit to consumer loan, eCommerce, technology, real estate, and services industries.

In other words, TrueAccord collects on behalf of other companies. So if you've never heard of TrueAccord and they're contacting you about a debt, the debt is probably with some other company or bank. It's also common practice for TrueAccord to purchase charged-off debts from creditors that have given up on trying to get the money back. They usually purchase these debt in large packages, for pennies on the dollar.

By default, TrueAccord sends you an email asking you to log into your account to check the outstanding bill, dispute it, or set up a payment plan. The founder of TrueAccord, Samet, accidentally forgot to pay his credit card bill on time, which inspired him to create the product. It is legal for debt collectors to contact you electronically, including via social media. This doesn't make it any less annoying, though, and there are still laws that govern the way collection agencies can communicate with consumers like you.

The Fair Debt Collection Practices Act requires debt collectors to provide identifying information as part of their first digital communication and opt-out of receiving messages from them on that platform or to that account.

TrueAccord has received many complaints

The Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) receive many complaints against collection agencies. Most consumer complaints involve, inaccurate debt information, harassment, and failure to verify debt are issues. Consider filing a complaint if you experience any of these situations with TrueAccord.

As of 2022, TrueAccord has received 125 complaints on its BBB profile in a three-year period. Even worse, the CFPB reported 456 complaints against TrueAccord in the last ten years. Let's take a look at a real example.

“I received a letter on April 6th, 2022 in the mail from TrueAccord stating that I owe money to ****** for $33.68 and I was charged $10 for fees, totaling $43.68. The amount owed was from April 29th, 2019. This appears to be fraudulent debt or a phishing scam to collect on a non-existing account. I confirm that I never did any business with ****** or have an account with them and I do not owe this company any money. I would like TrueAccord to notify the creditor of the falsehood of this debt and I would like TrueAccord to cease and desist from sending me information on a debt that I do not have an account for and do not owe.”

According to the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), you have many consumer rights. Being in collections is not something anyone enjoys. However, if you familiarize yourself with the rules surrounding debt collection and the upcoming alterations to those rules, you'll be better prepared to handle these interactions.

Know your rights under the FDCPA

According to the FDCPA, TrueAccord must adhere to specific regulations when collecting payments from you. This law prohibits debt collectors from engaging in predatory practices, including lying to you, calling incessantly, or outside regular business hours.

Under the FDCPA, TrueAccord cannot:

  • Call you before 8 a.m. or after 9 p.m.
  • Threaten to harm you or members of your family physically or financially.
  • Use obscene or profane language during phone calls or other correspondence.
  • Call you at your workplace.
  • Discuss your debt with anyone but your lawyer or your spouse.
  • Threaten to take legal action that they cannot, or do not plant to, take.

The Telephone Consumer Protection Act also requires TrueAccord representatives to abide by those rules. Knowing these laws will allow you to take action against TrueAccord if they break them.

TrueAccord uses technology to collect debts

Here are some facts about the methods TrueAccord uses for debt collection:

TrueAccord Debt Collection Methods

Contact Method

TrueAccord collects for?

TruAccord collects

Text messages

Banking and financial services

Consumer loans

Push notifications

Healthcare

Medical bills and insurance payments

Facebook ads

Utilities

Credit card debt

Emails

Real estate

Past-due rent

Automated voicemails

Insurance, e-commerce, and telecommunications

Phone and utility bills


Send a Debt Validation Letter to TrueAccord

Whenever TrueAccord believes you have an indebtedness, they will call, email, or mail you. Simply put, they're trying to push you into paying up. The TrueAccord representatives will continue to contact you until you pay off the debt, prove that the debt does not belong to you, or settle with them or with your original creditor.

If you prefer not to be contacted by TrueAccord, you can send them a Debt Validation Letter. It's a formal letter asking the debt collector to provide proof of the debt, which must be mailed within 30 days after they first contact you. Unless they respond with evidence of the debt within 30 days, TrueAccord is legally prohibited from contacting you.

Here are three reasons you should send a Debt Validation Letter:

  1. TrueAccord will stop contacting you when you send a debt verification letter until TrueAccord can prove that you owe the debt they're trying to collect.
  2. You'll learn more about the alleged debt: If you force TrueAccord to provide documentation, it can help you determine whether TrueAccord has a legitimate obligation that you need to pay.
  3. You can disown the debt: TrueAccord has no option but to delete a debt from your records if they cannot provide more information about the debt (which is frequently the case).

Note the statute of limitations

You may find out that your debt has passed the statute of limitations through the verification materials you receive. TrueAccord cannot legally pursue you for the debt once it has reached this age, known as a time-barred debt.

The statute of limitations is between three and six years for most debts, but the exact length depends on several factors, including your state of residence. If the information you're seeking isn't available online, ‌check the website of your state's attorney general.

Negotiate a debt settlement with TrueAccord

If the debt is legitimate and less than seven years old, you may find TrueAccord challenging to deal with (but not impossible). Paying off the debt is your best option. Paying back an account will boost your credit score even if you can't get the item removed from your credit report.

When you pay, you can still try last-ditch negotiation strategies to get TrueAccord removed from your credit report:

  • Send a Debt Lawsuit Settlement Letter: This can help you start the negotiation process and set up a payment plan. Keep in mind that, since TrueAccord may have purchased your debt from the original creditor, settling for a percentage of the debt will still give TrueAccord a profit. You can avoid having to pay off the whole debt because of this. Most collection agencies are willing to settle for a portion of the original amount.
  • Pay for delete: Paying off the debt might convince TrueAccord to remove the negative mark. Send them a pay-for-delete letter to begin these negotiations.
  • Goodwill deletion: You can use this strategy after paying your debts. In a goodwill letter, you can request TrueAccord empathize with your situation and remove the mark from your credit report as a gesture of kindness after you pay off the account.

Get in touch with TrueAccord Corp

Make sure to keep track of all your communications with TrueAccord, ideally in writing if possible. If you need to contact TrueAccord, you can use the following information:

Mailing Address:
TrueAccord Corp
16011 College Blvd Ste 130
Lenexa, KS 66219

Website: https://www.trueaccord.com

Phone number: (866) 611-2731

Respond to a debt lawsuit against TrueAccord

If you've been sued by TrueAccord, you can represent yourself in court and win. The first step to beating TrueAccord in court is to file a written Answer with the court within 14–35 days after receiving the lawsuit. If you do not respond in time, a default judgment will be entered against you. This gives TrueAccord the right to garnish your wages or put liens on your property in order to get the money back. Luckily, SoloSuit can help you draft an Answer within minutes.

Use these six tips to draft an Answer that will increase your chances of winning the case:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing TrueAccord to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that TrueAccord should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to TrueAccord. At the end of your Answer document, include a certificate of service when you verify the address you used to serve TrueAccord the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

Protect yourself against TrueAccord

Debt lawsuits affect ten million Americans each year. In 90% of cases, the respondents do not respond, and they only have ‌14-30 days to do so. SoloSuit can help! The SoloSuit form asks a couple of questions about your case. SoloSuit prepares a response based on your answers and instructs you on how to proceed.

Defending yourself starts with responding to the lawsuit. SoloSuit can help you represent yourself in court and beat TrueAccord.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

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