TSI is the U.S. leader in accounts receivable management — helping organizations recover more revenue while protecting their brand, customer trust, and regulatory posture. With $20B+ in receivables under management and $1.5B+ recovered in the last 12 months, we deliver AI-powered, compliance-first ARM solutions tailored to every industry, segment, and stage of the revenue lifecycle.
Comprehensive ARM Services
Early-Stage Collections & Receivables Optimization
Proactively engage before delinquency to reduce roll rates and accelerate cash flow.
We combine dynamic scoring, omnichannel engagement, and compassionate outreach to improve self-cure rates and customer experience.
Capabilities include:
- Automated Payment Reminders & Soft Notices
- Omnichannel Engagement (Phone, SMS, Email, Web Chat)
- Dynamic Risk Segmentation via CollectX™
- Flexible Payment Plans & Customer Support
- Seamless Integration with Client Billing Platforms
CollectX has increased early-stage recoveries by up to 400% compared to traditional models.
Third-Party Collections & Recovery
Recover aged receivables with professionalism, precision, and compliance.
TSI’s licensed agents and recovery experts use AI-enhanced strategies and regulatory best practices to resolve past-due balances and protect brand equity.
What we deliver:
- AI-Driven Skip Tracing & Right-Party Contact Optimization
- Customized Recovery Strategies by Risk Tier & Industry
- FDCPA, Reg F, TCPA & State Law Compliance
- Dispute Resolution & Settlement Negotiation
- Speech Analytics & QA on 100% of Calls
Debt Portfolio Management & Optimization
Take control of recovery performance across agencies and placements.
With TSI’s DebtNext SaaS platform, clients get full visibility, auditability, and optimization tools to manage placements, performance, and vendors in one place.
Key services:
- Centralized Vendor Management & Placement Control
- Custom Rule Engines, Audit Trails & Reporting
- Debt Sale Preparation & Strategy
- Real-Time Recovery Analytics
- $100M+/month in digital placements processed via DebtNext
CollectX has increased early-stage recoveries by up to 400% compared to traditional models.
Legal Services for Receivables Management
Escalate with confidence — and compliance.
TSI provides comprehensive legal collections and litigation support across all 50 states, using a nationwide attorney network and AI-optimized legal workflows.
We support:
- Pre-Litigation Collections – Attorney-drafted demand letters, negotiations, mediation
- Litigation Management – Filing, court coordination, post-judgment recovery
- Judgment Enforcement – Wage garnishments, bank levies, asset location
- Compliance-First Practices – Aligned to FDCPA, FCRA, CFPB, and state-specific laws
TSI’s legal teams are backed by predictive analytics to identify legal viability and maximize ROI.
B2B & Commercial Receivables Management
Protect relationships while accelerating commercial collections.
TSI’s B2B recovery teams specialize in high-balance, relationship-sensitive accounts — combining professional diplomacy with AI-driven prioritization and financial risk insights.
What we deliver:
- Early-Stage Invoice Follow-Up & Negotiation
- Third-Party Commercial Collections
- Portfolio Risk Analysis & Credit Scoring
- Legal Coordination for Commercial Recovery
- Brand-Safe, Diplomatic Contact Strategies
Industries served:
- Manufacturing & Distribution
- SaaS & Technology
- Financial Services & Lending
- Energy, Utilities & Telecom
- Healthcare & Life Sciences
Built for Compliance. Powered by AI.
TSI’s compliance management system is modeled after a regulated bank — overseen by former regulators and certified to the highest standards:
Industry Expertise That Drives Results
Our vertical-aligned teams build tailored recovery strategies for every sector:
Healthcare
HIPAA-compliant, patient-first recovery
Financial Services
Precision recovery for credit, fintech & lending
Utilities & Telecom
Proactive outreach and arrears recovery
Education & Government
Public-sector aligned, transparent, compliant
Auto Finance & Tolling
Deficiency balances and toll violations
Residential & Property Management
Tenant-friendly delinquency resolution
Commercial & B2B
Relationship-sensitive collections and portfolio strategy
Why Clients Choose TSI for ARM
Proven Performance
$1.5B+ recovered annually | 99.997% contact-to-complaint ratio
AI at Every Stage
CollectX and Legal Engine drive segmentation, timing, and outcome modeling
Omnichannel + Human Touch
Every customer contacted through their preferred channel — with empathy
Security & Compliance First
370+ monthly control tests and regulatory oversight
End-to-End Transparency
Real-time tracking across collections, legal, vendors, and portfolios
Let’s Elevate Your Receivables Strategy
Partner with TSI to recover more, reduce risk, and deliver customer experiences that protect your brand and fuel long-term value.