# Logging in

Here is how to log in to your account.

## Step 1 — Open your access link

We send you an access link by email from the address on file. The link opens `portal.moderncollections.io/portal/access?token=…` — you can also go to [portal.moderncollections.io](https://portal.moderncollections.io) directly and use the access link from your most recent email there.

If you don't have an access link:

* Check your spam folder for an email from us.
* Reply to any prior message we sent and ask us to re-send your access link.
* Look at the letter we mailed you for instructions on how to reach us.

## Step 2 — Get your one-time code

On the access page, click **Send verification code**. We'll email a 6-digit code to the address on file.

The code is good for 10 minutes. If it expires, click **Resend code** on the same page.

## Step 3 — Enter the code

Type the 6-digit code into the box and click **Verify**. You get up to 5 attempts before the code is locked and you'll need to request a new one.

## Step 4 — You're in

You will see your account dashboard. From here you can:

* See your balance and the invoice details.
* Pay your balance.
* Open a dispute.
* Send a message.

## Trouble logging in

A few things to try:

* **Didn't get the code?** Wait a minute. Then check spam. Then click **Resend code**.
* **Code says expired?** Codes are good for 10 minutes. Request a new one.
* **"Too many attempts"?** After 5 wrong codes the box is locked. Wait for the existing code to expire, then ask for a fresh one.
* **Link doesn't work?** Access links eventually expire. [Contact support](/troubleshooting/contact-support.md) to get a fresh one.

For more help, see [I can't log in](/troubleshooting/cant-log-in.md) and [I didn't get my one-time code](/troubleshooting/didnt-receive-otp.md).

## Is it safe to log in

Yes. The portal uses standard secure connections (the lock icon next to the URL). There is no password to remember — every session is gated by a one-time code we send to the email address on file, so even if someone learns your link, they can't get past the code step without access to your inbox.

## What if someone else needs to access the account

The account is for the business or person who owes the debt. If you are an authorized representative (a bookkeeper, business partner, or attorney for the debtor), reply to our email or [contact support](/troubleshooting/contact-support.md) to let us know — we may ask for proof of your authority before discussing the account with you.

## TODO

* Screenshot: access page (verification code step).
* Screenshot: dashboard after login.

***

Last reviewed: 2026-05-12 by Customer Success.


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