What sets TSI apart
We start with the accounts most likely to pay
CollectX scores every account every day on 2 questions: will this person pay, and can we reach them? Agents work the top of the list first, and accounts with bad contact data get set aside before anyone dials.
CollectX
Rescores every account daily on likelihood to pay and likelihood to answer.
MENSA
Uses machine learning to pick text, email, a call or a letter for each account.
How the work gets done
Text and email first, calls when they help
MENSA sends each account to the channel it’s most likely to answer: text, email, IVR or an agent. Digital payments cost less to collect, which matters most on small balances.
Paying by text link, pay page or chat
Customers can pay from a link in a text, on our pay page or through an automated chat agent. That frees our agents for the conversations that need a person, and keeps the cost of collecting small balances low.
One compliance program for every service
Every TSI service runs on one compliance management system, overseen by a Risk Committee of the Board. It covers licensing, agent training, audits, client audits, and how we handle complaints and disputes.
TSI is licensed or registered in every state that requires it and authorized to collect in all 50 states, DC and Puerto Rico (NMLS ID 950422).
Reaching people on the channels they use
TSI reaches people by text, email, web chat, phone and mail, and starts with digital channels because more people answer them.
Every complaint gets a root-cause review, and Ripple scores every call for compliance.
Cybersecurity built on NIST CSF 2.0
Our cybersecurity program is built on the NIST Cybersecurity Framework 2.0 and led by a CISO, with a 24/7 security operations center, endpoint isolation, centralized logging, disaster recovery plans and regular penetration tests.
Independent auditors issue our SOC 1 Type II and SOC 2 Type II attestation reports and our PCI DSS 4.0 Service Provider Level 1 attestation.
What clients say
Clients judge us on what we collect and how few complaints it creates. Our complaint-free contact rate is 99.997%. Read what clients say in their own words on our testimonials page.
What this means for you
You collect more of what you’re owed, at a lower cost to collect it, and every contact is on the record if a regulator or auditor asks. See TSI’s services.
TSI by the numbers
SOC 1 Type II and SOC 2 Type II attestation reports, a PCI DSS 4.0 attestation, with controls aligned to NIST CSF 2.0 and HIPAA
Proven on federal debt
1 of 5
private collection agencies working debt for the U.S. Treasury's Bureau of the Fiscal Service, continuously since 2018
$8.4B+
in defaulted federal student loans managed for guaranty agencies
3.5M
new accounts taken in each month, with 400+ trained agents added in 90 days for a federal engagement
See what TSI would do with your accounts
Tell us what’s past due. We’ll show you how TSI would work it, and what you’d keep after fees.
Revenue Recovery, Reimagined.