Receivables under management across TSI’s services
Recovered for clients in calendar 2025
Complaint-free contact rate
Placed each month on dPlat, from DebtNext, a TSI company
TSI company figures, October 2026. Results vary by portfolio, including account age, balance and type, and by client program.
As of October 2026, TSI’s Accounts Receivable Management (ARM) service collects past-due card, loan, auto and retail credit accounts for banks, credit unions, lenders and fintechs, in your name before charge-off and in TSI’s name after. TSI has more than $20 billion in receivables under management in Accounts Receivable Management.
Got a letter or call from TSI about your own account? Go to the Consumer Support Hub
What a weak agency costs you
Most agency reviews fight over the fee. The bigger number is what you net.
In one illustrative case, 6 points of contingency fee are worth about 0.88 points of liquidation. So an agency that’s 6 points cheaper and liquidates 1 point less costs you money.
Then there’s oversight. Every agency you use holds your customers’ data and talks to your customers under your name or about your accounts. When an examiner or a state attorney general asks how you watch them, “we trust them” won’t hold up.
And moving placements feels risky, because a bad switch can cost a quarter of cash. That’s why TSI starts with one segment beside your current agencies, measured on the same basis.
How an account moves through TSI
Hand TSI one stage, or the whole path from first missed payment to legal recovery. Your rules travel with the account at every step.
If you run several agencies at once, dPlat, the recovery management platform from DebtNext, a TSI company, puts placements, agency results and oversight records in one system.
TSI collects on your placed accounts. Every contact goes on the record.
Each account gets its own plan: who to contact, when and how.
- 1PlacementTSI screens for bankruptcy, death and military duty before first contact.
- 2DecisioningScores set when and how TSI works each account. People decide.
- 3ComplianceThe system enforces call caps, calling hours, consent and dispute holds.
- 4ChannelsLetters, email, consented text, a portal and specialists. Legal only with your written OK.
- 5ResolutionPayments land in trust accounts, reconciled daily. You see every action in myTSI.
More of your placed accounts paid, with less work for your team.
What TSI brings
First-party collections
Calls, texts and letters under your brand and scripts before charge-off, and your customers pay you through the channels you choose. How first-party collections work
Third-party collections
Charged-off card, loan, auto and retail accounts worked in TSI’s name, inside the settlement and payment-plan limits you set.
Legal recovery
Charged-off accounts with documents to support a suit, sent to law firms in TSI’s network only after you approve each one.
Agency oversight on dPlat
One system for placements and agency results across every vendor you use, from DebtNext, a TSI company.
What TSI collects for lenders
| Receivable | What TSI handles |
|---|---|
| Credit cards and overdrafts | Reminders and calls in your name before charge-off, then third-party collection after it |
| Installment and personal loans | First-party calls and payment plans before charge-off, then third-party collection |
| Auto loans and leases | Deficiency balances after repossession and sale, plus lease-end charges such as excess wear and mileage. See auto finance collections |
| Retail and private-label credit | Reminders under your brand, then third-party collection |
| Charged-off accounts with documents to support a suit | Legal recovery through law firms in TSI’s network, after you approve each account |
Settlements and payment plans stay inside the limits you set. Credit bureau reporting happens only when you direct it.
Programs TSI runs for lenders
Anonymized examples from TSI lender programs. Client names are shared as references, with each client’s permission.
National card issuer
TSI works the issuer’s accounts on both sides of charge-off: first-party collections in the issuer’s name before it, and third-party collections after.
Automotive finance company
TSI handles lease transfers and early terminations: it reviews lease terms with each customer, calls in and out, and guides customers to a new finance offer or a clean termination. The program cut rework on lease terminations.
How the work runs
- Your rules go in first
Scripts, settlement limits, payment-plan terms and credit reporting choices are set with you before a single account is worked. - Your customers hear from TSI’s own people
TSI’s own employees do the collecting, trained on your scripts. Where the work sits, onshore or offshore, is written into your contract. - Contact stays inside the rules
Calls follow the Regulation F call limits, the TCPA and your own rules. Compliance scores collector calls on 28 attributes. - Disputes stop the clock
TSI logs the dispute, pauses collection on the disputed account while it gets documents from you, and answers in writing. When a customer disputes in writing within the 30-day validation period, the FDCPA requires collection of the disputed amount to stop until verification is mailed. - Complaints get a root cause
TSI’s Consumer Affairs team investigates each complaint and traces it to a root cause, so the fix can happen upstream.
How you oversee TSI
Independent oversight, led by former federal regulators. NIST-aligned controls under it.
You see account activity and collector notes in a client portal, and call recordings where your program allows. TSI supports your audits, on site or remote.
TSI is licensed or registered in every state that requires it and authorized to collect in all 50 states, DC and Puerto Rico (NMLS ID 950422). You can check any agency’s licenses yourself in the state registries.
The federal rulebook for vendor oversight is moving. On Sep 11, 2026, the FDIC, the Federal Reserve Board, the NCUA and the OCC proposed new third-party risk management guidance, and they plan to rescind the 2023 interagency guidance once the new version is final.
Whatever the final text says, you’ll still need a record of how you chose and watched each agency.
Questions worth asking any agency, TSI included:
- Can we see every call and note?
Ask for portal access to account activity and collector notes, and call recordings where your program allows. - Whose employees talk to our customers?
Ask about subcontractors, and get where the work sits written into the contract. - What happens on a dispute?
Collection on the disputed account should pause until the dispute is answered in writing. - Where is the agency licensed?
Check each license in the state registries, and ask for the NMLS ID.
Who this is for
Heads of collections and recovery
You keep the agencies you have. TSI takes one segment beside them, measured on matched accounts.
Compliance and vendor risk
Portal access, call recordings where your program allows, and audits on site or remote give you a record an examiner can follow.
CFOs and finance leads
The Diagnostic sets baseline economics on one segment, so you can weigh net recovery against the fee.
Fintechs lending through a partner bank
Your partner bank reviews every vendor you use. TSI’s licensing records, portal access and audit support go straight into that review.
Where TSI isn’t the fit: TSI works accounts on your behalf and doesn’t buy charged-off debt. Fintechs that lend through a partner bank should plan for the bank’s vendor review before placing accounts.
Each portfolio is quoted on its own, and there’s no public rate card. TSI doesn’t yet publish outcome comparisons across clients, so the Diagnostic measures results on your accounts. Other lender pages: credit unions, auto finance and consumer lending and fintech and digital lending. If you also want customer care and back-office work handled, see financial services and insurance BPO.
Frequently asked questions
Can TSI collect in our name?
Yes, before charge-off. First-party collectors call, text and write under your brand and scripts, and your customers pay you through the channels you choose.
Does TSI collect auto deficiency balances?
Yes. TSI collects deficiency balances after repossession and sale, and lease-end charges such as excess wear and mileage.
Do we have to move a whole portfolio at once?
No. Many lenders start with one segment, such as a first placement tier or an aged tier, and compare it with their current agencies on matched accounts.
Is TSI licensed in the states where our customers live?
TSI is licensed or registered in every state that requires it and authorized to collect in all 50 states, DC and Puerto Rico (NMLS ID 950422). You can check any license in the state registries.
Does TSI buy charged-off debt?
No. TSI works accounts on your behalf and doesn’t buy charged-off debt.
What happens when a customer disputes a debt?
TSI logs the dispute, pauses collection on the disputed account while it gets documents from you, and answers in writing.
Can we hear the calls?
Yes, where your program allows. You see account activity and collector notes in a client portal, along with call recordings.
Who does the collecting?
TSI’s own employees, trained on your scripts. Where the work sits, onshore or offshore, is written into your contract.
Measure one segment before you move anything
The Recovery Performance Diagnostic sets baseline economics on one portfolio, stage or segment, reviews channel strategy and complaint risk, and designs a carve-out you can run beside your current agencies.
General information, current as of October 27, 2026. It isn’t legal advice. Rules change and differ by state, so check the sources linked here and talk to your own counsel before you act on it.