I had set up a pyment plan with Trueaccord to settle an old debt and long story short, after sending them hundreds of dollars over several months, they contacted me about the same debt I had been paying on, and it had not gone down one cent. When I asked what they had been doing with the money I sent, their reps declined to address the question and simply sent boilerplate email responses about setting up an account via a toll-free phone number. Do not pay Trueaccord, they will do nothing to eliminate any debt you have - they're thieves, plain and simple.