Constant calls from True Accord? Are they threatening legal action, calling at all hours, or contacting your family about your debt? These tactics violate the Fair Debt Collection Practices Act (FDCPA), and you could be entitled to up to $1,000 in statutory damages plus attorney fees.
This guide shows you who True Accord is, which tactics break federal law, and exactly how to make them stop. Need help now? Call The Wood Law Firm at +1-844-638-1122.
Who Is True Accord Corp
True Accord Corp is a third-party debt collector based in San Francisco, California, at 303 2nd Street, Suite 750, San Francisco, CA 94107. They collect debts for major credit card companies, banks, financial institutions, and tribal lenders, often using digital communications like emails and phone calls.
According to the Better Business Bureau, True Accord has been operational for five years with 24 complaints filed against it. The company has faced over 300 BBB complaints in the past three years and almost 700 Consumer Financial Protection Bureau complaints over the last decade.
Their main phone number is (866) 611-2731. Recent legal claims allege that True Accord may have encouraged consumers to agree to payment plans that potentially resulted in overpayments compared to the original debt owed.
What Makes True Accord Harassment Illegal
True Accord harassment is illegal when they use abusive language or profanity, call outside permitted hours (before 8 AM or after 9 PM), make excessive calls multiple times weekly, discuss your debt with family or neighbors, contact your workplace inappropriately, threaten legal action they cannot take, or fail to notify you of your right to dispute the debt.
Watch for these illegal tactics:
- Using threatening or profane language during calls
- Calling you repeatedly within short time frames
- Discussing your financial situation with anyone other than you or your legal representative
- Accusing you of committing a crime (debt is civil, not criminal)
- Calling repeatedly for the wrong person
- Attempting to collect more than legally permissible
- Reporting debts from identity theft without a proper investigation
Each violation strengthens your case for compensation under the FDCPA. Document everything they do wrong.
True Accord Phone Numbers to Watch
True Accord commonly calls from:
- (866) 611-2731,
- 866-611-2731, and
- 8666112731.
They might use different numbers to contact you, so any unfamiliar calls claiming to be about debt collection should be verified before you provide information.
If you recognize these numbers and believe you’re experiencing harassment, document every call with date, time, and what was said. This evidence is crucial if you decide to take legal action against True Accord.
How to Stop True Accord Calls
To stop True Accord calls, document everything by keeping a detailed log of dates, times, phone numbers used, conversation content, and any threats or inappropriate language, then send them a written request demanding they communicate only in writing. Under the FDCPA, you have the right to request written communication only.
What to do immediately:
- Keep detailed records of every interaction
- Do not engage unnecessarily or argue during calls
- Inform them you’re aware of your rights and may seek legal counsel
- Request that all future communication be in writing
- Send a cease and desist letter via certified mail
After receiving your written request, they can only contact you to confirm they’re stopping or notify you of specific legal action, like a lawsuit.
Call The Wood Law Firm at +1-844-638-1122 for help. Once True Accord knows you have an attorney, they must contact us instead of you.
How to Verify True Accord Debts
To verify a True Accord debt, send them a Debt Validation Letter within 30 days of first contact, requesting proof of the debt they claim you owe. Include your name, address, account number, and a clear statement requesting validation.
What they must provide:
- Original creditor’s name and address
- Amount when debt was charged off
- Proof that they have the authority to collect
- Documentation showing the debt belongs to you
Send via certified mail and keep copies of all correspondence. If True Accord fails to provide adequate evidence within 30 days, they may be legally prohibited from contacting you further about that debt.
Many consumers facing similar tactics from other collection agencies have successfully stopped harassment using debt validation requests.
Can True Accord Sue Me or Garnish Wages
Yes, True Accord may potentially sue if the debt is within your state’s statute of limitations (typically 3-6 years), and they may garnish wages if they secure a court judgment against you or for Federal Student Loans without court approval.
The statute of limitations refers to the time period during which a creditor can legally sue you for a debt. Once expired, True Accord cannot successfully sue you for the debt, though they may still attempt to collect through other means.
If they sue you, respond immediately within the deadline, or they win automatically by default judgment. Don’t ignore legal papers. The Wood Law Firm can help you defend against lawsuits and challenge invalid debts.
What Are Your Rights Under the FDCPA?
Your rights under the FDCPA include demanding debt validation, requesting they stop contacting you, being free from harassment and threats, having calls only between 8 AM and 9 PM, keeping your debt private from third parties, and suing for violations worth up to $1,000 plus actual damages and attorney fees.
Debt collectors cannot use abusive language, make excessive calls, discuss your debt with unauthorized people, threaten actions they can’t take, or fail to provide proper validation when requested.
If True Accord violates any of these rights, contact The Wood Law Firm to explore your legal options and hold them accountable.
Reporting True Accord to Federal Agencies
To report True Accord to federal agencies, file complaints with the Consumer Financial Protection Bureau online, the Federal Trade Commission, and your state’s Attorney General’s office, providing detailed documentation of their potentially unlawful practices.
What these agencies can do:
- Investigate potentially unlawful practices
- Impose fines or penalties on violators
- Track patterns of consumer complaints
- Guide consumer protection
How to file effectively:
- Compile call logs and recordings
- Gather letters and written communications
- Save email correspondence
- Document any evidence of abusive behavior
These agencies take consumer complaints seriously and can investigate patterns of abuse.
True Accord Federal Lawsuits
True Accord has faced multiple federal lawsuits for alleged FDCPA violations. Notable cases include:
- Zuniga v. True Accord,
- Hatch et al. v. True Accord,
- Ramsey v. True Accord Corp,
- Joan Roy v. True Accord Corp, and
- Brown v. True Accord Corp.
These cases exemplify the potential legal issues consumers face when dealing with True Accord. If you believe True Accord may be violating your rights, it may be essential to speak up and consider legal action.
We’ve successfully helped clients facing comparable harassment from agencies like Credit Corp Solutions using proven legal strategies under the FDCPA.
How The Wood Law Firm Helps Fight True Accord Agency
The Wood Law Firm specializes in assisting clients facing harassment from debt collectors like True Accord. We’ve supported consumers since 2010 and maintain an A+ rating with the Better Business Bureau, focusing exclusively on FDCPA, Fair Credit Reporting Act, and Telephone Consumer Protection Act cases.
How we help:
- Free consultations with no financial pressure
- Legal representation in court when your case warrants it
- Education on your FDCPA rights and protections
- Negotiation with collectors on your behalf
- Protection from ongoing harassment once you engage our services
We work on contingency, meaning you pay nothing unless we recover money for you. True Accord pays your attorney fees if we win.
To safeguard yourself from harassment, contact us at +1-844-638-1122 for immediate assistance.
Jeff Wood Protects Consumer Rights
Jeff Wood founded The Wood Law Firm after over 18 years of practicing consumer protection law. He specializes in FDCPA cases and has helped countless individuals fight back against abusive debt collectors like True Accord, securing compensation and stopping harassment.
Success Stories From Our Clients
“I highly recommend them to anyone experiencing harassment! Their professionalism and clarity about my rights were invaluable. The calls stopped within days.”
“I worked with them on two occasions, and each time the staff was courteous, knowledgeable, and able to stop the harassment. I even received compensation both times.”
“Due to false claims from a debt collector, I nearly made the mistake of paying a debt I couldn’t afford. The team was friendly and knowledgeable, and they settled my case quickly. Thank you!”
Frequently Asked Questions
1. How do I stop True Accord debt collection harassment
If you believe True Accord is harassing you, document all calls, send a cease and desist letter via certified mail, and contact The Wood Law Firm at +1-844-638-1122 for legal assistance.
2. Is True Accord legitimate or a scam
True Accord is a legitimate business operating for five years, but being legitimate doesn’t excuse potentially questionable practices. You may have legal recourse under consumer protection laws.
3. Can True Accord garnish my wages
True Accord may garnish wages if they secure a court judgment or for Federal Student Loans. Without court approval for other debts, wage garnishment is illegal.
4. Can True Accord sue me for unpaid debt
Yes, True Accord may sue if the debt is within your state’s statute of limitations (typically 3-6 years). Respond immediately if sued or they win by default.
5. Can True Accord report my debt to credit bureaus
Yes, debt collectors can report collection accounts to credit bureaus, negatively affecting your credit score. You can dispute inaccurate information with credit bureaus.
6. Can True Accord have me arrested
No, debt collectors cannot arrest individuals for debts. However, ignoring court orders might result in a judge issuing an arrest warrant.
7. What if I don’t recognize the debt True Accord claims
Send a debt validation letter within 30 days, requesting proof. If they cannot provide adequate validation, they may be prohibited from continuing collection efforts.
8. How many times can True Accord legally call me daily
The FDCPA doesn’t specify an exact number, but if you believe calls are excessive or intended to harass, this may constitute a violation.
9. Should I pay True Accord immediately to stop calls
Don’t feel pressured to pay immediately. First, verify the debt is legitimate and consider your options. You have rights under the FDCPA regardless of whether you owe.
10. How do I file a complaint against True Accord
Report True Accord to CFPB online, file complaints with your state’s Attorney General, or contact The Wood Law Firm for guidance on potential legal action.
Take Action Against True Accord Today
True Accord harassment doesn’t have to control your life. The FDCPA protects you from abusive practices, and The Wood Law Firm knows how to enforce those protections.
Our approach mirrors the successful strategies we’ve used to stop harassment from companies like Capital Currency and other aggressive collectors.
Call The Wood Law Firm now at +1-844-638-1122 for a free consultation. We’ll review what happened, explain your options clearly, and help you fight back. The call costs nothing, and you’ll speak with someone who genuinely understands what you’re going through.
Don’t let True Accord push you around. Fight back with experienced attorneys who know how to win.
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