How to Stop Transworld Debt Collection From Harassment

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How to Stop Transworld Systems From Harassing You

is a debt collection agency founded in 1970 in Santa Rosa, California. They are a leading collection agency in the US with thousands of employees. According to their website, they promise their customers that their "contingency-based collections will instill a sense of urgency in the consumer." If has contacted you, you may want to see how DoNotPay can help you with Transworld Systems Inc.’s debt collection process.

Transworld Systems, Inc.

TSI has moved its headquarters to Wilmington, Delaware. They can be contacted through their website, mail, or phone:

CompanyTransworld Systems, Inc. (
Mailing AddressPO Box 15630, Wilmington, Delaware 19850
Phone Number877-865-7686
Email or Contact Form

Transworld Systems may appear on credit reports as any of the following:

  • Transworld Collections
  • Transworld Inc
  • Transworld Systems Debt Collection
  • Transworld Financial

They will sometimes show up as tsi33, tsi940, tsi980, tsi55.

What to Do If Transworld Contacts You

If Transworld Systems contacts you, do not ignore them. They are one of the largest and most successful debt collection agencies in the US. They are not going to go away. That doesn't mean you should accept their claims. Instead, learn what your rights are under the Fair Debt Collection Practice Act before responding.


The FDCPA stipulates how and when a debt collector can communicate with you and what should be in the communication.

Validation Letter

If Transworld contacts you by phone, they must follow up within five days with a written validation letter that includes:

  • Their name and mailing address
  • Name of the original creditor
  • Account number, if known
  • Itemized account of debt
  • Amount of debt

The letter must include a tear-off form that you can use to dispute the debt, along with information about your rights to dispute the debt. It should also allow you to request a verification letter.

Phone Calls

FDCPA says that a debt collector cannot call you more than seven times in seven days. This rule only applies to phone calls. They do not apply to texts, emails, or messaging.

Social Media

Transworld can contact you via social media if:

  • They keep the message private.
  • They indicate that they are a debt collector.
  • They must allow you to opt-out of any further communication on social media.

DoNotPay can help you file a complaint with the Consumer Financial Protection Bureau if Transworld violates any FDCPA rights.

How to Respond to Transworld Systems

If Transworld contacts you by phone, ask them to provide the information in writing. They are required to send you a validation letter within five days of initial contact. However, they can send the letter by email or USPS. Be sure to stipulate that you want the validation letter sent to your mailing address. Do not give them your email unless you want them to contact you by email.

Verification Letter

After receiving the validation letter, request a verification letter to ensure that the agency has provided the correct information. The verification letter should ask for the following details:

  • Name and address of original creditor with the account number and debt amount.
  • Verification that you owe the money
  • When the debt was incurred, the amount of the debt plus the last billing statement should include all penalties and interest.
  • Ask if the debt is outside the statute of limitations Ask for authentication that Transworld is authorized to collect the debt on behalf of the creditor.
  • Ask if the original creditor still owns the debt or if it has been sold.

If the original creditor still owns the debt, consider working with them directly. If they have sold the debt, you must work with Transworld. There is no stipulation on when the verification letter must be supplied; however, Transworld cannot contact you until they have responded. If they violate any of your rights, you can file a complaint.

How DoNotPay Can Help Respond to Transworld

Dealing with debt collectors can be stressful, especially if they use aggressive collection methods. If you want to minimize contact with Transworld, let DoNotPay help. Just answer the following question, and we'll do the rest.

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

What Else Can DoNotPay Do?

DoNotPay is an online service that helps people deal with life's nuisances quickly. Whether it's dealing with a debt collector or improving your credit score, DoNotPay can help.

Donotpay Can Also Serve as a Great Resource by Answering Questions Such As:

  1. How long can a debt collector try to collect a debt?
  2. Can debt collectors garnish a stimulus check?
  3. How often do debt collectors take debtors to court?
  4. How should I respond to a medical debt collector?
  5. Is ERC a legitimate debt collector?

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