TSI collects past-due accounts, services loans and answers customer calls for companies and public agencies in the industries below. Pick yours to see what we handle and the rules we follow.
Industries we serve
Healthcare
Denied claims paid. Patient balances collected.
TSI works denied insurance claims and unpaid patient balances for hospitals, health systems, physician groups and RCM firms, under HIPAA. PULSE drafts the appeals, and our specialists follow them to payment.
Services include:
- Denial management and appeals
- Early-out self-pay and patient payment plans
- Extended business office
- Bad debt recovery
- Insurance follow-up
Financial Services
Past-due loans and cards collected. Loans serviced.
TSI collects credit card, auto and personal loan balances for banks, credit unions, fintechs and consumer lenders, and UAS services student and personal loans. TSI manages more than $20 billion in financial services receivables.
Services include:
- Credit card and personal loan collections
- Account scoring that decides who gets contacted first
- Loan servicing on UAS Connect
- Collections under FDCPA, Regulation F, FCRA, GLBA and UDAAP
- Payment plans and settlements inside limits you set
Government & Education
Taxes, tolls, tuition and fines collected, with records ready for audit.
TSI collects unpaid taxes, tuition, tolls, fines and other public debt for federal, state and city agencies, schools and transportation authorities.
TSI is 1 of 5 private collection agencies working debt for the U.S. Treasury’s Bureau of the Fiscal Service, continuously since 2018.
Services include:
- Student loan and tuition recovery, through TSI and UAS
- Tax and municipal debt
- Toll and violation collections
- Legal collections for public agencies
- Security controls built on NIST, with ADA-accessible outreach
Utilities and telecommunications
Past-due bills collected. Customer calls answered.
TSI collects past-due bills and answers customer calls for energy, water, broadband and telecom providers, under state utility commission rules.
Services include:
- Past-due account collections
- Reminders and payment plans before disconnection
- Customer care and back-office support
- Billing help by phone, chat and text
- Contact schedules that follow each state's rules
Also see: Telecom, cable and broadband.
Retail and e-commerce
Unpaid orders and lapsed subscriptions collected in your brand's voice.
TSI collects late-stage balances, failed subscription payments and disputed charges for retail and direct-to-consumer brands, starting with text, chat and email.
Services include:
- Chargeback and dispute handling
- Subscription and membership recovery
- Live chat, text and social messaging
- Win-back outreach to lapsed members
- Reports on who pays, when and how
Commercial and B2B
Unpaid invoices collected. Customer relationships kept.
TSI’s commercial collections team recovers past-due invoices from other businesses, and works through disputes, deductions and PO problems without burning the relationship. See B2B collections.
Services include:
- Invoice follow-up as soon as an account goes past due
- Third-party commercial collections
- Credit and risk scoring on your commercial accounts
- Legal collections and dispute resolution
- Agency and law firm management in DebtNext
Property Management
Move-out balances recovered. Resident calls answered.
TSI collects former-resident balances for property managers, including unpaid rent, fees and damages beyond the security deposit, on rules you set by property. TSI’s CXBPO team can also answer current residents’ calls in your name.
Services include:
- Former-resident collections after move-out
- Skip tracing on residents who leave no forwarding address
- Resident calls answered in your name
- Credit reporting only when you direct it
Canada
Collections across Canada, in English and French.
TSI Canada collects consumer and commercial accounts for Canadian lenders, telecom and utility providers, health organizations, schools, municipalities and provincial bodies, from Toronto and Montreal, under each province’s collection rules.
Services include:
- Consumer and commercial collections
- Quebec accounts handled in Quebec
- English and French collectors
- Texts from a registered short code
Why these industries choose TSI
Teams that know your industry
Dedicated teams who know each industry's rules, with workflows set up for your accounts
Software that picks the next step
CollectX scores accounts, MENSA picks the channel, Ripple scores every call and PULSE drafts denial appeals
Controls that hold up to audits
SOC 1 Type II and SOC 2 Type II attestation reports and a PCI DSS 4.0 attestation, with programs built for HIPAA, FCRA and FDCPA
Teams where you need them
Onshore, nearshore and offshore teams, or a mix, to fit your service levels and budget
Results you can check
$1.5B+ recovered in calendar 2025 · 99.997% complaint-free contact rate · $100M+ placed through DebtNext each month
Run your own numbers before you talk to us
Free, and no form to see a result. Each calculator shows its math with sample numbers until you type your own. See all calculators
Agency net-back calculator
Compare up to 4 agencies on what you keep after fees and costs.
Net-back, % of dollars placed $90,000kept by Agency C per $1M placed
Sell-or-place calculator
See whether a buyer's bid beats placing, and the bid that tips it.
Present value of each path +$15,926for placing over selling, at present value
Denial economics by claim value
See which claim-value bands pay back an appeal.
Net a year, by claim value $309,613a year from the 3 bands that pay back
Denial appeal break-even calculator
Find the claim value where an appeal stops paying.
Net per appeal, by claim value $286.15break-even claim value at these rates
Don't see your industry?
TSI works with more industries than fit on one page. Tell us what’s past due, and we’ll tell you whether we’re the right team for it.