A new startup, TrueAccord, hopes to bring debt collection into the internet age. The company, which recently attracted $5 million in venture capital funding, uses behavioral analysis make debt collections less intimidating. TrueAccord tailors its campaigns to debtors, building a profile of the consumer and figure out the right course of action to collect on a debt. "I've been sitting here listening to breakup songs and eating ice cream because I feel like you're avoiding me," says one message targeted at millennials, who enjoy ironic humor according to TrueAccord’s data. TrueAccord uses email alongside phone calls and letters, and also allows users to negotiate terms through a web portal – unusual in an industry where regulations have caused collectors to shy away from online communication.