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  <!-- Core pages (EN + FR homepage with hreflang) -->
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  <url><loc>https://www.agentcollect.com/about</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/pricing</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/how-it-works</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/contact</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/security</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/ai-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/attorney-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/api</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/careers</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/privacy</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.agentcollect.com/terms</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Industries hub + 6 verticals -->
  <url><loc>https://www.agentcollect.com/industries</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/industries/saas-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/industries/healthcare-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/industries/logistics-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/industries/financial-services-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/industries/professional-services-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/industries/manufacturing-collection</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Customers hub + 9 case studies -->
  <url><loc>https://www.agentcollect.com/customers</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/customers/microsoft</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/plaid</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/doordash</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/checkr</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/twilio</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/redis</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/aircall</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/emds</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/customers/lafayette</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Compliance hub + 50 states -->
  <url><loc>https://www.agentcollect.com/compliance</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/alabama</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/alaska</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/arizona</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/arkansas</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/california</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/colorado</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/connecticut</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/delaware</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/florida</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/georgia</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/hawaii</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/idaho</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/illinois</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/indiana</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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  <url><loc>https://www.agentcollect.com/compliance/kentucky</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/louisiana</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/maine</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/maryland</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/massachusetts</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/michigan</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/minnesota</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/mississippi</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/missouri</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/montana</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/nebraska</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/nevada</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/new-hampshire</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/new-jersey</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/new-mexico</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/new-york</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/north-carolina</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/north-dakota</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/ohio</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/oklahoma</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/oregon</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/pennsylvania</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/rhode-island</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/south-carolina</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/south-dakota</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/tennessee</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/texas</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/utah</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/vermont</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/virginia</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/washington</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/west-virginia</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/wisconsin</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.agentcollect.com/compliance/wyoming</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Integrations hub + 14 tools -->
  <url><loc>https://www.agentcollect.com/integrations</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/quickbooks</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/netsuite</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/sage</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/xero</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/microsoft-dynamics</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/sap</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/freshbooks</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/bill-com</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/salesforce</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/hubspot</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/stripe-billing</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/chargebee</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/highradius</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/integrations/billtrust</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Compare/Alternatives hub + competitors + category pages -->
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  <url><loc>https://www.agentcollect.com/compare/trueaccord</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/collectly</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/indebted</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/transworld-systems</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/ic-system</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/highradius</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/gaviti</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/vs-collection-agencies</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/vs-in-house-collections</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/vs-dunning-software</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/vs-law-firms</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/compare/vs-debt-buyers</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Glossary hub + 26 terms -->
  <url><loc>https://www.agentcollect.com/glossary</loc><lastmod>2026-03-24</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/days-sales-outstanding</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/accounts-receivable</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/bad-debt</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/dunning</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/charge-off</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/aging-report</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/net-30-60-90</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/contingency-fee</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/first-party-collection</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/third-party-collection</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/skip-tracing</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/debt-collection-attorney</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/write-off</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/collection-rate</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/bad-debt-reserve</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/ucc-lien</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/cease-and-desist</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/ar-turnover-ratio</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/payment-plan</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/demand-letter</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/debtor</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/creditor</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/past-due-invoice</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.agentcollect.com/glossary/collections-workflow</loc><lastmod>2026-03-24</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
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  <!-- New blog pages — Priority 2 (15 articles, 2026-03-25) -->
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  <url><loc>https://www.agentcollect.com/blog/what-happens-sending-to-collections</loc><lastmod>2026-03-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
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