Apollo Enterprise Solutions, Inc. (“Apollo”), with offices in Los Angeles, New York, London and Sydney, is home of the patented TRUE™ system. The TRUE™ system enables consumers to obtain banking and other financial services on convenient self-serve basis via their preferred communication channels including web, mobile, and IVR. For credit issuers, the TRUE™ system interconnects multiple debt collection systems and modules, while providing a central command and control business rules cockpit that can be shared across multiple departments in multiple countries. The TRUE™ system increases collections and recoveries; minimizes charge-offs; activates business rules rapidly and with great accuracy; enhances the customer experience; increases revenues; and reduces operating costs, account attrition rates, and roll rates. The TRUE™ system modules are highly secure, hosted Software-as-a-Service applications that integrate into IBM, Microsoft and other computing environments, and into a wide range of collections systems including those offered by CGI CACS, Experian Tallyman, and FICO Debt Manager. (CACS, Tallyman and Debt Manager are registered trademarks of their respective owners.)