What we do
TSI revenue recovery solutions throughout the consumer credit lifecycle:
- Demand Communications
- First-Party Collections
- Third-Party Collections
- Legal Recovery
Software & services working across the credit lifecycle:
- DebtNext - Recovery Management Software
- Portfolio Management - Outsourced Recovery Services & Technology
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
Demand Communications
TSI’s increasingly digital communication packages drive early-stage revenue recovery.
Overview: Vital recovery tool for SMEs and healthcare providers—professional, compliant communications (letter or digital); integrates with broader channels; scalable, cost-effective complement to traditional recovery.
Tiered approach:
- TSI Accelerator (30–60 days): First-party communications in the client’s name.
- TSI Profit Recovery (90–180+ days): Later-stage, third-party communications directing payment to TSI.
- Traditional Collections (6+ months): Legacy 3P collections strategy.
First-Party Collections
TSI’s white-labeled outreach engages consumers early to recover past-due balances without disrupting client relationships.
Overview: Fulfilled under the client’s name, First-Party Collections address accounts typically <180 days past due. TSI integrates seamlessly into client systems or leverages its own tech-enabled infrastructure.
Engagement spans omnichannel digital tools and expert agents, supported by proprietary AI for targeted, cost-efficient outreach. Flexible contingent- and fixed-fee models support client economics.
Execution approach:
- Early-stage outreach: Reminder communications under client branding to minimize delinquencies, defaults, or service shutoffs.
- Omnichannel engagement: SMS, email, calls, and self-service portals.
- AI optimization: Proprietary CollectX analytics and MENSA AI dynamically score and prioritize accounts for right-channel contact.
Third-Party Collections
TSI is the largest first- and third-party collections provider in the U.S., delivering scale, compliance, and digital-first performance.
Overview: Third-Party Collections focus on charged-off accounts (120–360+ days past due), performed under the TSI name. TSI does not own debt; instead, it manages recoveries through sustained, targeted outreach powered by proprietary AI, expert agents, and omnichannel strategies.
Execution approach:
- Proprietary algorithms: CollectX filters and scores placements daily, while MENSA AI dictates outreach strategy.
- Digital + agent blend: Omnichannel engagement enhanced by Ripple AI for real-time agent assist.
- Scalable infrastructure: TSI maintains electronic interfaces with client systems for seamless placements and reporting.
CollectX has increased early-stage recoveries by up to 400% compared to traditional models.
Legal Recovery
TSI’s national legal channel provides clients with a final recourse to recover aged and complex debts.
Overview: Legal Recovery connects creditors with a proprietary network of third-party law firms, supported by TSI’s in-house legal collections technology. This channel addresses consumer judgments across all 50 states, with TSI managing compliance rigor (chain of title, proof of debt, affidavits). Enterprises often view legal recovery as a viable path once all other methods are exhausted.
Execution approach:
- Litigation assessment: Proprietary technology & AI paired with professional expertise helps determine when to initiate legal action.
- Compliance-first process: TSI manages court filings, documentation, and regulatory requirements.
- End-to-end recovery: Clients benefit from TSI’s scale, oversight, and coordination of law firm activity, with fees structured on a contingency basis.
How it works
Charged-off accounts placed and scored
TSI maintains electronic interfaces to client systems and receives regular placements; CollectX, a dynamic, proprietary collections algorithm, filters placements and rescores accounts daily.
AI-enabled channel optimization
TSI’s proprietary MENSA AI helps dictate strategic channel outreach (digital and/or agent-assisted).
Fulfillment
Expert agents negotiate debts and take payments, supported by TSI’s Ripple AI agent assist; omnichannel communication includes text, email, letters and calls.
Digital / AI self-service
Low-cost, efficient self-service touchpoints. Digital + AI-assisted fulfillment options (portal, direct-link SMS payments, chatbots) improve efficacy and optimize agents’ time; AI-powered prioritization & predictive modeling improves liquidation rates.
Industry Expertise That Drives Results
Our vertical-aligned teams build tailored recovery strategies for every sector:
Why TSI
Market-leading digital / AI collections.
Proprietary analytics / AI-powered: CollectX & MENSA dynamically score and prioritize accounts to generate higher liquidation rates.
Industry-leading compliance management system.
NIST CSF-based cybersecurity capabilities.
Related Solutions
DebtNext (dPlat):
Leading revenue recovery software and system of record; oversees third-party providers, provides collection analytics/segmentation/reporting, and supports a cybersecurity shield through one interface.
Portfolio Management
Outsource day-to-day recovery program operations while maintaining real-time visibility and control via DebtNext.
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.