Chat with us, powered by LiveChat

Is Transworld Systems Inc (TSI) Harassing You? How to Stop Debt Collection Abuse

Debt collection agencies can make life miserable. Repeated phone calls, threatening letters, lawsuits – it’s enough to drive anyone crazy. And one of the biggest offenders seems to be Transworld Systems Inc (TSI).So what can you do if TSI is harassing you? This article will break it down so you understand your rights and how to get the harassment to stop.

Who Is Transworld Systems Inc (TSI)?

First, a little background. TSI is one of the largest debt collection agencies in the country. Headquartered in California, they have offices across the US and collect on all types of consumer debt – credit cards, medical bills, student loans, and more.They are notorious for their aggressive tactics. TSI collectors will call repeatedly, even after being asked to stop. They’ll call early in the morning or late at night. Threatening lawsuits is another common tactic, even if they don’t intend to actually sue.Bottom line – TSI plays hardball. As one consumer complained, “These people are the most unprofessional and rude collectors I have ever encountered.”So what can you do to get TSI off your back? Let’s break it down.

- -

Step 1: Verify The Debt is Valid

The first thing to do is verify that you actually owe the debt TSI is contacting you about. Debt collection agencies often try to collect on old debts that:

  • Have expired statutes of limitation
  • Were already paid off
  • Belong to someone else

Verifying the debt will also give you some key details, like the original creditor and the amount owed. This information will be critical if you need to dispute the debt later on.Start by sending TSI a debt validation letter via certified mail (get tracking and return receipt). This requires them to provide proof that you owe the debt. If they can’t validate it, by law the collection efforts must stop.You can find sample debt validation letters online. Be sure to include your name, address, account details, and a request for documentation proving you owe the amount claimed.

Step 2: Stop The Harassment

If TSI validates that you do owe the debt, the next step is stopping the harassment. As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) and other laws.Start by sending a cease and desist letter demanding that TSI stop calling you. Note that they are still allowed to contact you via mail, but must stop the calls.Again, send this letter via certified mail with tracking and return receipt. Keep a copy for your records along with detailed notes any further contact attempts.Under the FDCPA, if TSI keeps calling after receiving your cease and desist letter, they face penalties of up to $1,000 per violation. Keep reporting them to authorities to hold them accountable.And if they threaten lawsuits or other illegal practices like calling your workplace? Report them to the FTC, Consumer Financial Protection Bureau (CFPB), and your state attorney general.

Step 3: Negotiate and Settle The Debt

If TSI validates the debt and the amount is correct, your next step is trying to resolve it. Ignoring debt collectors entirely often just aggravates the situation and results in escalating harassment.First, understand your rights in debt settlement negotiations:

- -
  • Debt collectors must treat you fairly and cannot lie or misrepresent details about the debt.
  • You have the right to request backup documentation and verification of what you owe.
  • Any agreements you reach to settle debt must be provided in writing by the collector before paying.

When negotiating, start low but be realistic. Offer 20-30% of the balance as a lump-sum payment in exchange for settling and closing the account. Debt collectors often accept discounted payoffs so they can at least recoup something.Get everything in writing first and keep records of all payments. And if you reach an agreement, be sure to get a “paid in full” letter from TSI stating that settling the debt resolves it completely. This will legally prevent them from pursing you for the remaining balance later on.

What If TSI Breaks The Law? Your Options For Fighting Back

Despite your rights and best efforts, many debt collectors like TSI simply ignore consumer protection laws. So what recourse do you have if they cross the line? Here are a few options:Report Them: Document everything and report TSI to authorities like the FTC, CFPB, your state attorney general. The more complaints against them, the more likely regulators will take action with fines or shutting them down.Sue For Damages: Under the FDCPA, you can sue TSI if they violate your rights. If successful, you can recover financial damages plus attorneys fees. Damages often range from $1,000 – $1,500 per violation.File Bankruptcy: Debt collectors must stop contacting you once you file bankruptcy. While a last resort, it’s an option if TSI won’t leave you alone. Be aware this will have major impacts on your credit and finances for years.Retain Legal Counsel: If TSI’s harassment and threats become extreme, retain legal counsel to act on your behalf. At the very least a lawyer can force them to deal directly through legal channels, which can limit the direct harassment against you.

Key Takeaways – Your Rights Against TSI and Other Debt Collectors

Dealing with debt collectors like TSI is stressful, but understanding your rights is key to stopping harassment in its tracks:

  • Validate debts – Always verify in writing that you actually owe money before paying.
  • Send cease and desist letters – Instruct collectors to stop calling/harassing you via certified mail.
  • Document everything – Keep detailed records of all calls, letters, reporting to authorities.
  • Report violations – File complaints with FTC, CFPB, attorney general for harassment.
  • Negotiate settlements – Offer to resolve debts at a discount, get everything in writing first.
  • Consider legal options – Sue for FDCPA violations, retain counsel, or bankruptcy for extreme cases.

The bottom line is that you have more power than you think when dealing with debt collectors. Don’t tolerate illegal harassment from TSI or any other agency. Exercise your rights under federal and state law to stop it.And if TSI keeps crossing the line after warnings? Hit them hard through lawsuits and regulators. That’s the only way to truly stop debt collection abuse for good.

Get Debt Relief Today

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
$350,000 MCA Restructured Over 2 Years

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
Best Colorado Criminal Lawyers

Best Colorado Criminal Lawyers Understanding What to Look For in…

Best California Personal Injury Lawyers

Best California Personal Injury Lawyers When it comes to personal…

Best California Divorce Lawyers

The Best Divorce Lawyers in California: Your Ultimate Guide What…

Best California Criminal Lawyers

Best California Criminal Lawyers What to Look For in a…

Best Arkansas Personal Injury Lawyers

Best Arkansas Personal Injury Lawyers Finding the right personal injury…

Delancey Street simply gets it. You're talking to experts.
Steven Norris
Get Help Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Schedule Consultation
Call Now For Consultation