At a glance Transworld Systems Canada (TSI) is a Canadian debt collection agency that recovers unpaid accounts for banks, telecoms, utilities and government bodies.
The company was formerly called EOS Canada. It was acquired by the US-based Transworld Systems Inc. in December 2021 and renamed Transworld Systems Canada in May 2022.
If TSI contacts you, a creditor has placed your account with them for collection. Get written proof of the debt before you pay or share personal details. If the amount looks wrong or you don't recognize the debt, dispute it in writing.
What is Transworld Systems Canada (TSI)?
Transworld Systems Canada is a third-party debt collection agency that recovers unpaid accounts on behalf of creditors. It is also known as TSI, and in Canada as TSICO.
Its head office is in Toronto (325 Milner Avenue), with a second office in Montreal.
The Canadian business was formerly known as EOS Canada. Transworld Systems Inc. acquired EOS Canada in December 2021 and renamed it Transworld Systems Canada in May 2022.
Source: Transworld Systems Inc. – EOS Canada Inc. rebrands as Transworld Systems Canada Inc. (CNW, May 2022)
TSI collects for creditors across banking, telecom, utilities, healthcare, education and government. Its two core business areas are debt collection and debt purchase. In some cases, TSI buys the debt outright rather than collecting on behalf of the original creditor.
Source: Transworld Systems Canada
Contact Transworld Systems Canada (TSI)
1-844-239-0876
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Transworld Systems Canada calling me?
A call, letter, text or voicemail from Transworld Systems Canada usually means a creditor has placed your account with them for collection because you owe money.
Sometimes the debt is real. Sometimes it's old, already settled, or belongs to someone else. Because the company was recently EOS Canada, some people are contacted about an old EOS Canada account under the new Transworld name and don't recognize it.
Don't confirm or pay anything by phone. Ask for written verification first, including the creditor, the amount, the account number and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Transworld Systems Canada collect for?
Transworld Systems Canada collects on behalf of creditors across several industries. Utility, telecom, government and healthcare accounts come up most often.
Industry | Consumer-reported creditors |
|---|---|
Utilities | EPCOR, ENMAX |
Telecommunications | Rogers Communications, Bell Canada, Virgin Mobile |
Banking and credit cards | Capital One |
Government and municipal | City of Toronto |
Toll roads | E-ZPass |
Healthcare | Alberta Health Services, William Osler Health System |
Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions and public records. They don't represent confirmed contractual relationships with Transworld Systems Canada Inc.
Companies that use Transworld Systems Canada (TSI) for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Transworld Systems Canada (TSI) collects for?
Transworld Systems Canada (TSI) phone numbers
These numbers are commonly associated with Transworld Systems Canada (TSI):
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Transworld Systems Canada (TSI), verify the debt in writing and confirm the details before paying.
Is Transworld Systems Canada legitimate?
Transworld Systems Canada is a real, licensed collection agency. It is the Canadian arm of Transworld Systems Inc., a US accounts receivable management company, and operates here under provincial licensing.
The Canadian business began as EOS Canada, which Transworld Systems Inc. acquired in December 2021 and renamed in May 2022.
Scammers do impersonate real agencies, so check the sender before you pay anything. Use the contact details on this page or on the official website rather than trusting a call or email you've received.
Will Transworld Systems Canada (TSI) affect my credit score?
A collection account from Transworld Systems Canada (TSI) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether Transworld Systems Canada (TSI) has reported the account and whether the information is correct.
What to do if Transworld Systems Canada (TSI) calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Transworld Systems Canada (TSI) has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Transworld Systems Canada (TSI) might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
What if the debt is old?
Every province has a time limit on how long a collection agency like Transworld Systems Canada (TSI) can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Transworld Systems Canada (TSI) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Transworld Systems Canada (TSI)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Transworld Systems Canada (TSI) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Transworld Systems Canada (TSI) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about Transworld Systems Canada (TSI)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Transworld Systems Canada (TSI) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Transworld Systems Canada (TSI) locations
Locations that Transworld Systems Canada (TSI) operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Transworld Systems Canada Inc.
Also known as
EOS Canada Inc
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
TSI Canada Collections
TSI Collections
TSI Debt Collection
FAQs
Is Transworld Systems Canada the same as EOS Canada?
Yes. Transworld Systems Canada was formerly called EOS Canada. The company rebranded after Transworld Systems Inc. acquired it, so EOS Canada accounts may now be collected under the Transworld Systems Canada name.
What if I don't recognize the debt?
Ask Transworld Systems Canada for written verification before doing anything else. The letter should name the original creditor, the amount owed, the account number and the date of last activity.
Pull your credit report to see if it appears there. You can get your free Equifax credit report with Borrowell. If you still don't recognize the debt, dispute it in writing.
Can Transworld Systems Canada garnish my wages or freeze my bank account?
Not without a court order. Transworld Systems Canada would have to sue you, win a judgment, then apply for a garnishment order. If they claim they can garnish your wages without going to court, that's a misrepresentation and breaks the rules.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Can Transworld Systems Canada take me to court?
Yes, a collection agency can take you to court, but whether they do depends on your financial situation, the balance and the creditor's instructions.
How long does a Transworld Systems Canada collection stay on my credit report?
Collections stay on your credit report for six years, starting from the date of first delinquency. Paying it updates the status to paid, but doesn't remove it early.
Source: Equifax Canada – How long does information stay on my credit report?
TSI keeps calling. What should I do?
You don't have to answer, and you're not obligated to discuss anything. Ask Transworld Systems Canada to send written verification of the debt before you pay or confirm any personal details. Canadian provincial rules govern how TSI can contact you here, including limits on call hours and frequency.
How do I pay Transworld Systems Canada?
You can pay Transworld Systems Canada online through the official website, or call them to arrange payment. Get any settlement agreement in writing before you pay, and keep the receipt.
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Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.