Why is 1-888-899-6650 Calling Me? Stop TSI Debt Collectors

The number 1-888-899-6650 belongs to Transworld Systems Inc (TSI). They’re calling because a creditor claims you owe an unpaid debt. TSI is a debt collection agency that contacts consumers on behalf of original creditors.

You have rights when debt collectors call you. Federal law limits what TSI can say and do. You can make these calls stop.

Who is Transworld Systems Inc?

Transworld Systems Inc operates as a third-party debt collection agency. They collect debts for various businesses and institutions. TSI purchases old debts or works on commission for creditors.

You can reach TSI at:

• Address: 500 Virginia Dr. Ste 514, Ft Washington, PA 19034-2707
• Phone: (877) 420-4789
• Website: tsico.com

TSI collects debts from multiple industries:

• Healthcare and dental providers
• Fortune 500 companies
• Financial institutions
• Educational institutions
• Small and medium-sized businesses

Most creditors transfer accounts to collection agencies after 90-180 days of non-payment. TSI either works on commission or buys the debt outright. When they purchase debt, they legally own it and can pursue collection.

Common Complaints Against TSI

TSI has thousands of consumer complaints across multiple platforms. The Better Business Bureau lists over 700 complaints. The Consumer Financial Protection Bureau records nearly 5,000 complaints.

ConsumerAffairs shows 119 reviews where 90% rated TSI one star. These complaints reveal serious problems with TSI’s collection practices.

Here’s a real complaint from the CFPB database:

“On XX/XX/2023, a debt appeared on my credit file. I received no previous correspondence about this debt. I called my creditor and paid the balance immediately. However, Transworld still reports this debt and refuses to send deletion confirmation. I’m scheduled to close on a home. This collection dropped my score below qualification level.”

Many consumers report similar experiences with TSI’s aggressive tactics.

Your Rights Under Federal Law

The Fair Debt Collection Practices Act protects you from abusive collection practices. TSI must follow strict rules when contacting you.

Debt collectors cannot:

• Call your workplace to discuss your debt
• Contact family members, coworkers, or friends about what you owe
• Call you multiple times per day or leave excessive voicemails
• Ignore your debt validation request
• Use threats, abuse, or intimidation tactics
• Threaten to involve law enforcement

TSI violates these rules regularly according to consumer complaints. You can report violations to the Federal Trade Commission or file complaints with the BBB and CFPB.

When debt collectors break the rules, our partner Solo can help you respond effectively and protect your rights.

How to Stop Calls From 1-888-899-6650

You have multiple options to stop TSI from calling you repeatedly. Each method offers different levels of protection.

Request Written Communication

Tell TSI to contact you only by email or mail. Document this request in writing. Federal law requires them to honor your communication preferences.

Record Your Conversations

Inform TSI you’re recording all calls. Many debt collectors change their behavior when recorded. Check your state’s recording consent laws first.

Send a Cease and Desist Letter

A Cease and Desist Letter formally demands TSI stop all contact. They must comply except to confirm they received your letter. They can notify you of specific legal actions.

Request Debt Validation

Send a Debt Validation Letter within 30 days of first contact. TSI must prove you owe the debt. They cannot continue collection until they provide verification.

Your validation request should demand:

• Original creditor’s name and account number
• Total amount owed including fees and interest
• Proof they own or can collect this debt
• Documentation showing the debt belongs to you

Dispute With Credit Bureaus

Challenge inaccurate debts with Equifax, Experian, and TransUnion. Credit bureaus must investigate within 30 days. They’ll remove debts they cannot verify.

Negotiate a Settlement

Settling your debt stops collection calls permanently. You pay less than the full amount owed. TSI often accepts 30-60% of the original balance.

Settlement negotiations require strategy and documentation. Debt collectors may reject lowball offers or pressure you into unfavorable terms.

Responding to a TSI Lawsuit

TSI may sue you if phone calls don’t work. Ignoring a lawsuit guarantees you’ll lose. The court grants a default judgment against you.

You must respond to the lawsuit within your state’s deadline. Most states give you 20-30 days from when you’re served. Missing this deadline costs you the case.

Your Answer should include:

• Admission or denial of each lawsuit claim
• Affirmative defenses like statute of limitations
• Requests for proof TSI owns the debt
• Challenges to the amount they claim you owe

If TSI sued you for debt, our partner Solo helps you draft and file your court Answer quickly. You can respond to the lawsuit and protect your rights.

Verify the Debt Before Paying

Never pay a debt collector without verification. TSI handles thousands of accounts from different creditors. Mistakes happen frequently.

Verify these details before paying:

• The debt actually belongs to you
• The amount matches what you originally owed
• The statute of limitations hasn’t expired
• TSI has legal authority to collect

Paying an incorrect debt won’t stop the calls. You’ll have difficulty recovering money paid in error. Always demand proof first.

When TSI Violates Your Rights

Document every FDCPA violation TSI commits. Keep records of call times, frequencies, and what representatives say. Save voicemails and emails.

Report violations to these agencies:

• Federal Trade Commission at reportfraud.ftc.gov
• Consumer Financial Protection Bureau complaint database
• Better Business Bureau profile for TSI
• Your state’s attorney general office

You can sue debt collectors who violate the FDCPA. Courts award up to $1,000 per violation plus attorney fees. Multiple violations increase your potential recovery.

Protect Yourself From Future Collection Calls

Address debts before they reach collection agencies. Contact creditors when you first struggle with payments. Many offer hardship programs or payment plans.

Track all your debts and payment due dates. Set up automatic payments when possible. One missed payment can trigger the collection process.

Check your credit reports annually for errors. Dispute any accounts you don’t recognize immediately. Early detection prevents collection problems.

Know your state’s statute of limitations on debt. Collectors cannot sue after this period expires. Time-barred debts still appear on credit reports for seven years.