The Leading Tech-Enabled Revenue Recovery Solutions Provider.
CollectX + Mensa AI pick the next best account and channel, Ripple monitors interactions in real time, and one compliance program covers all five services, so you recover more, faster.
Why TSI
Our own analytics, our own controls, one team accountable for the result
in receivables under management
across 160 million accounts, for lenders, health systems, government and more
employees
at 20+ sites in the U.S., Canada, Guatemala, India and the Philippines
data attributes
behind the scores that decide who we contact, when and how
What we do
TSI collects past-due accounts, gets denied claims paid, services loans and answers your customers' calls.
Our services
Pick the one that matches the money you're owed.
Accounts Receivable Management
We collect past-due consumer and commercial accounts, from the first reminder text to legal recovery.
Healthcare Revenue Cycle Management
We get denied claims paid and collect patient balances for hospitals and physician groups.
Loan Servicing (UAS)
UAS, a TSI company, services student and personal loans, in your name or its own.
CXBPO
We answer your customers’ calls, emails and chats and handle the back-office work behind them.
The software behind the work
We built our own tools for the parts of collections that decide whether you get paid.
CollectX
scores every account each day, so agents start with the people most likely to pay.
MENSA
picks text, email, a call or a letter for each account.
Ripple
scores every call for compliance as it happens and writes the call notes.
PULSE and SAGA
find why a claim was denied, draft the appeal and track it until the payer pays.
DebtNext (dPlat)
lets lenders place, track and audit accounts across every agency and law firm they use.
Healthcare CollectX
scores patient accounts so outreach reaches the patients most likely to pay first.
UAS Connect
runs loan servicing with loan-level detail for lenders and a self-service portal for borrowers.
What you get
Why clients choose TSI
- More accounts paid by text, email and pay page, before an agent ever calls
- Agents who start each day with the accounts most likely to pay
- Every call scored for compliance while it happens, with notes written for the agent
- One place to place, track and audit every agency and law firm you use
- Denial appeals drafted by software and followed to payment by specialists
Proof of scale
55+ years of helping businesses get paid
TSI was founded in 1970 and takes in about 3.5 million new accounts a month, across the United States and Canada.
One compliance program, checked by outside auditors
Every service runs on one compliance management system and a cybersecurity program built on NIST CSF 2.0. Independent auditors issue our SOC 1 Type II and SOC 2 Type II attestation reports and our PCI DSS 4.0 Service Provider Level 1 attestation. TSI is licensed or registered in every state that requires it and authorized to collect in all 50 states, DC and Puerto Rico.
Lenders, health systems, insurers, government agencies, utilities, telecom and property managers. See all the industries we serve.
Find your service
Accounts Receivable Management
Demand communications, first- and third-party collections, legal recovery
Learn more
DebtNext (dPlat)
Software to run every collection agency and law firm you use
Learn more
From the teams we support
What clients say about working with TSI
What clients tell us about the results, and about how their customers were treated.
Clients come to TSI for big placement volumes, early-out programs and tighter agency oversight. They stay for results they can track.
- Healthcare Revenue Cycle Management
What I appreciate most is that TSI treats denials, early-out, and bad debt as one connected continuum rather than three separate problems. That integrated view eliminated the handoff gaps where we were losing revenue, and gave our executive team a single partner accountable for the full patient-pay lifecycle.
System VP of Revenue Cycle Operations
Multi-State Health System
- Healthcare Revenue Cycle Management
We brought TSI in specifically for denial management, and their AI-powered classification and appeal generation capabilities were a game-changer. Our overturn rates improved dramatically, and the speed of appeals means we’re no longer losing revenue to missed filing deadlines. The ROI was evident almost immediately.
Director of Patient Financial Services
Major Northwestern Hospital System
- Healthcare Revenue Cycle Management
TSI handles our Extended Business Office and bad debt recovery with a patient-first approach that aligns with our mission. Since the partnership began, self-pay collections are up, patient complaints about billing are down, and we’ve identified significantly more charity-eligible patients before they ever reach collections. That matters to us
Chief Financial Officer
Regional Academic Medical Center
- Healthcare Revenue Cycle Management
We were drowning in a denial backlog that stretched back months, and our team was burning out trying to work appeals before timely filing deadlines expired. TSI deployed their PULSE platform alongside a dedicated denial team and cleared the backlog faster than we thought possible. Our net revenue improved meaningfully within two quarters.
VP of Revenue Cycle
12-Hospital Health System, Midwest
- Accounts Receivable Management
TSI is learning [our] expectations and performing great for a new business partner!
Senior Manager, Vendor Management
- Accounts Receivable Management
TSI has been a long-trusted partner of ours in the collection space who routinely exceeds performance expectations. When required, they quickly implement any [needed] policy changes.
Director, Guaranty Operations
- Accounts Receivable Management
TSI has been a great partner for [us] and [has] been routinely very dependable on every aspect of the contract.
Director, Portfolio Management Group
- Accounts Receivable Management
What sets TSI apart is they don’t just collect — they help us understand why accounts are going delinquent in the first place. Their analytics surfaced patterns in our billing process that were driving preventable charge-offs. That upstream insight alone justified the partnership.
SVP of Collections Strategy
Major Regional Bank
- Accounts Receivable Management
Our previous agencies treated B2B collections like consumer debt with bigger balances. TSI understood that commercial recovery requires a fundamentally different approach — navigating disputes, deduction management, and PO issues without damaging the customer relationships we depend on. They recovered millions we had essentially written off.
Director of Accounts Receivable
Fortune 500 Manufacturing Company
- Accounts Receivable Management
TSI brought a level of compliance sophistication we hadn’t seen from other ARM providers. Their approach to digital-first outreach actually improved our consumer satisfaction scores while increasing recoveries. In a regulatory environment where every interaction is scrutinized, that combination is rare and valuable.
Chief Compliance Officer
National Auto Finance Company
- Accounts Receivable Management
We consolidated from six collection agencies down to TSI as our primary partner, and the results spoke for themselves. Recovery rates improved measurably in the first year, complaints dropped significantly, and we finally have a single dashboard showing performance across our entire delinquent portfolio. They operate like an extension of our team, not a vendor we have to manage.
VP of Credit Operations
Top-10 U.S. Credit Card Issuer
Let's talk
Tell us what's past due
A TSI specialist will look at what you’re owed and how it’s being worked today, then tell you what we’d change.
A review of your current program
We look at how your accounts or claims are worked now and where money is slipping.
People who know your industry
You talk to someone who knows the rules in healthcare, lending, government or whatever your industry is.
Your numbers, not ours
Run your own numbers in our free calculators, then see what our teams could add.
Fill in the form below and a TSI specialist will get back to you. There’s no obligation.
Paying a bill or have a question about your account? Go to the Consumer Support Hub.