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Find out what one portfolio really nets you after fees, complaints and disputes, measured on your own accounts, before you move a single placement.
TSI’s Recovery Performance Diagnostic looks at one portfolio, stage or segment of your receivables. It sets your baseline economics, reviews your channel strategy, analyzes complaints and risk, and designs a carve-out that can run as a measured pilot beside your current agencies. It takes about 4 weeks once TSI receives clean data. It’s free, and it commits you to nothing.
Agencies usually get judged on liquidation rate and contingency fee. What you net after fees, complaints, disputes and legal cost, on matched accounts, tells you more. Building that view takes analyst time most teams don’t have, so agency decisions often rest on the last quarterly review.
The Diagnostic builds it for one segment, on your data.
Liquidation and net-back (what you keep after fees, complaint and dispute handling and legal cost) by placement cohort, so you can compare agencies on the same footing.
How accounts in the segment are contacted today (calls, letters, texts, emails and self-service payment) and where contact and payment drop off.
Complaints, disputes and compliance exceptions tied to the segment, with the root causes TSI can find in the data.
A test you could run: which accounts, how many, against which incumbent, measured how and for how long.
A report and a working session with your team. You keep the report whether or not you go further.
12 to 24 months of placement and payment history for the segment, your current fee schedule, your complaint and dispute log for the same accounts, and the legal and complaint-handling costs you track for them. Expect about 2 hours of your team's time: a kickoff call, a data check-in and the readout.
About 4 weeks from the day TSI receives clean data. The readout meeting is booked at kickoff.
An ARM analytics lead builds the baseline. A compliance analyst reviews complaints and risk. A client strategy lead designs the carve-out and runs the readout with you.
TSI signs an NDA before any data moves. Files arrive by secure file transfer, are used only for the Diagnostic, and are returned or destroyed at the end, with written confirmation.
Free, with no obligation. Finishing the Diagnostic doesn’t commit you to place an account with TSI. If the carve-out makes sense, the pilot is a separate agreement with its own terms and fees.
Put two agencies side by side on the same kind of accounts. Net-back is what you keep after fees, complaint and dispute handling, and legal cost.
Check these numbers
Your result
Fill in your numbers, or use the example, and your result appears here.
In illustrative math, 6 points of contingency fee are worth about 0.88 points of liquidation, so an agency 6 points cheaper that liquidates 1 point less costs you money. That exchange rate shifts with your own liquidation and fee levels. Compare agencies on the same placement months, a similar mix of accounts, the same time window and gross collections before fees.
Want to compare up to 4 agencies? Open the full agency net-back calculator.
Tell us which portfolio or segment you want measured. A TSI specialist follows up by email.
Got a letter or call from TSI about your own account? Use the Consumer Support Hub.
No. The carve-out is designed to run beside your incumbents on matched accounts, so you compare results before anything changes.
Nothing. The Diagnostic is free. Any work after it, such as a pilot, is agreed in writing, with its fees, before it starts.
The readout says so. A segment where your current setup works well is a useful answer too.
Request a Recovery Performance Diagnostic and get baseline economics, a channel and risk review, and a carve-out design for one portfolio, measured on your own accounts.
