$18.5T +
U.S. household debt, with delinquency at the highest since 2017
12.7 %
Credit card serious delinquency, Q4 2025
60M +
Accounts on the dPlat recovery platform
$1.5B +
Recovered for clients in the last 12 months
Delinquency is up. So is the oversight bar.
Subprime auto, BNPL, and under-30 borrowers are driving a K-shaped delinquency surge that internal teams can’t absorb. Meanwhile the creditor stays liable for what its agencies do, and a single deceptive-practices finding has averaged over $1.4M.
Recovery and compliance pull in opposite directions only when you can’t see your program clearly. The fix is a single record across services and software.
Three capabilities, one accountability.
ARM recovery services
Account data uploads in any file format and gets encrypted at hardware, OS, and column level.
DebtNext recovery platform
The Decision Engine routes each account to the right tier and agency, on rules your team edits directly.
Customer care & CX
Agencies report daily into a shared portal. You watch placement, activity, and KPIs on live dashboards.
What it looks like in production.
22 %
Average recovery improvement via CollectX analytics.
99 %
DebtNext client retention, many partnerships past a decade.
$5–10 M
Incremental recovery from a 1–2% liquidation lift on a $500M portfolio.
For financial services leaders.
Can TSI manage our existing collection agencies?
Yes. DebtNext’s dPlat is built to orchestrate a multi-vendor network on one system of record, scoring agency performance and reallocating volume on your rules.
How does TSI help with CFPB and state oversight?
dPlat logs every interaction and SLA exception and produces the documented oversight trail the CFPB’s Bulletin 2016-02 expects. TSI operates under SOC 2 Type II, ISO 27001, PCI DSS 4.0, and NIST CSF 2.0 alignment.
We're a fintech without recovery infrastructure. Where do we start?
Most fintechs enter through loan servicing or default management and add recovery software as the portfolio scales. TSI runs the full origination-to-recovery path so you don’t build it in-house.
Do we have to move our whole book at once?
No. The common start is aged paper incumbents failed to collect, run through the platform to measure projected lift before committing the full portfolio.