As of November 2026, TSI's demand communications service reaches past-due customers by text message, RCS business messages and email first, each with a secure link to pay or set up a plan, and by letter where paper works better. Reminders go in your name and demand notices in TSI's. Payments go to you, and customers who still don't pay move to the next stage on a date you choose.
Results vary by portfolio, including account age, balance and type, and by client program.
Hi Dana, your balance of $182.40 is past due. Pay or pick a plan here:
Pay now
Can I split it?
Yes. Two payments of $91.20 work. Tap to set it up. Reply STOP to opt out.
Your March balance is past due
Pay $182.40Mailed where there is no consent, or when the customer prefers paper
$91.20 today, $91.20 on Apr 15
Series stoppedGot a letter or call from TSI about your own account? Go to the Consumer Support Hub or make a payment.
Why the statement stops working
Your statement says "past due" in the same font as last month's. Most customers now handle bills on their phones, and a paper envelope is the easiest thing to set aside.
That leaves two expensive choices. Your staff chase small balances by phone, which pulls them off billing and customer questions. Or you place the accounts with an agency early and pay a contingency fee on balances that would have paid after one well-timed message.
A short series sits between the two: a text the customer can answer, an email they can act on, a page where they can pay in under a minute, and a letter for anyone who needs paper. It's the cheapest step in the recovery chain.
What's included
Two-way texts
Texts in your name that customers can answer. They ask for more time, pick a plan or say they've already paid, and the reply routes to the right next step.
RCS business messages
On phones that support RCS, the message shows your verified name and logo with a Pay now button inside the phone's own messaging app. Where RCS isn't available, it goes as a standard text.
Email with a pay link
Emails that carry the balance, plan options and a link to pay, with the opt-out notice the rules require.
A page to pay or set up a plan
A secure page open around the clock, where customers pay in full, start a plan or accept a settlement you've pre-approved, by card, bank account or digital wallet. Payments go to you.
Letters where paper works
Mailed letters for customers who haven't consented to texts, who prefer mail or who need a notice on paper. Returned mail and address updates come back to you.
Your name or TSI's
Reminders go on your letterhead and in your voice. Demand notices go in TSI's name as a third party, and then TSI handles the account: calls, disputes and the notices federal law requires.
A series that adapts to each customer
Each step checks what happened at the last one. A payment stops the series, an opt-out moves the customer to the channels they still allow, and a dispute goes to a person.
- Day 1Text or RCSIn your name, with a pay link
- Day 3EmailBalance, plan options, pay link
- Day 7Second textA plan offer inside your limits
- Day 14LetterOr a demand notice in TSI's name
- Day 30Hand offTo calling or third-party, on your date
At every step
- Customer paysThe series stops for that account the same day.
- Customer replies STOPTexts end. Email and letters carry on.
- Customer disputesA person takes it, and messages pause.
How it runs
Pick the series
You choose which accounts qualify (balance, days past due, account type), which channels each track uses and in what order, how many messages it gets and how far apart.
Approve the templates
Your compliance team signs off on every text, RCS message, email and letter. TSI keeps a record of every version and which customers received it.
Send the accounts
Accounts arrive by file or API, with phone, email and consent status for each customer.
Run the series
Messages go out on schedule, inside allowed hours. Payments stop the series for that account, STOP replies end texts, and bounced emails fall back to a letter.
Hand off what's left
At the end of the series, unpaid accounts move to calling in your name or to third-party collection, on the date you set.
Where it fits with the other stages
Demand communications come first in the chain. They clear accounts where a reminder is enough, and they sort out the ones that need a conversation.
Accounts that don't respond can move to first-party collections, where TSI collectors call in your name, or straight to third-party collections if they've reached charge-off. The message history moves with each account, so the next stage knows what the customer has already received and on which channel.
What you see
Reports show accounts entered, messages sent and delivered by channel, replies, opt-outs, returned mail and address updates, payments and plans started during the series, and accounts handed off. The useful comparison is cash collected per account placed, set against what the next stage would have charged on the same accounts.
General information, current as of November 2026. It isn't legal advice. Rules change and differ by state, so check the sources linked here and talk to your own counsel before you act on it.
The company behind the work
Questions buyers ask
What are demand communications?
A short series of reminders and demand notices sent to past-due customers before an account goes to calling or collection. TSI sends them by text, RCS, email and letter, each with a way to pay.
What is RCS, and does the customer need an app?
RCS (Rich Communication Services) is the upgrade to text messaging built into most Android phones and iPhones on iOS 18.1 or later, where the carrier supports it. It shows your verified business name and logo and buttons like Pay now inside the phone's own messages app. No app download is needed, and phones without RCS get a standard text.
Can you text customers about past-due bills?
Yes, with documented consent. TSI texts only customers who have given it, inside allowed hours, and a customer can stop texts by any reasonable means, including a reply like STOP. Customers without text consent get email or a letter instead.
Do you still send letters?
Yes. Letters go to customers without text or email consent, to customers who prefer mail and wherever a notice needs to be on paper.
What's the difference between a reminder and a demand notice?
A reminder comes from you, usually soon after the due date. A demand notice comes from TSI as a third party, after reminders haven't worked, and tells the customer the account has gone to a collection agency.
Do payments go to us or to TSI?
Demand programs usually send payments straight to you. Your contract sets it.
Can we send notices in TSI's name without TSI working the account?
No. Federal law treats that as a deceptive form. When TSI's name is on the notice, TSI handles the calls, disputes and required notices for that account.
How is a demand program priced?
Usually as a fixed fee per account, so you keep what customers pay. Your quote depends on volume and the series you choose.
Find the accounts a message series would clear
The Recovery Performance Diagnostic looks at one portfolio or segment, sets your baseline and shows where an earlier, cheaper step would change what you net.
Got a letter or call from TSI about your own account? Go to the Consumer Support Hub or make a payment.
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Paying a bill or have a question about your account? Go to the Consumer Support Hub.