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You received a call from 8552457098 or a mailer from PO Box 15630, Wilmington, DE, 19850. What company is contacting you? The answer is Transworld Systems. 

Transworld Systems is a third-party debt collector, so it’s likely that a representative is contacting you because they believe you owe unpaid debt with a bank that it represents. According to TSI’s website, it collects on accounts from SMB, healthcare, education, commercial, financial institutions, and government accounts. 

Is Transworld Systems Legitimate?

Yes, according to BBB, the business was incorporated in 1970 with the headquarters located at 500 Virginia Dr Ste 514, Ft Washington, PA 19034-2707. Representative from Transworld Systems often call from 855 245 7098.

What can Transworld Systems do to you? Understanding Debt Statues and Garnishments

Transworld Systems is required to work within the statute of limitations for unsecured debt in your state. There are also certain actions that Transworld can or cannot take if a judgment is provided to them. Put in your zipcode below and see what it is for your zip code.

Will Transworld Systems sue me?

It’s possible that Transworld Systems would use a third party to carry out a lawsuit for unpaid debt. Based on a review of over 2100 lawsuits, we did not see Transworld as the plaintiff in a lawsuit, so it’s possible our sample size is not large enough, but it’s possible that Transworld uses a third party network to sue for its accounts.

Compare different options below how you can deal with Transworld Systems.

When does a debt collector sue? Is the amount owed relevant?

We covered when a debt collector sues extensively. Here are some of our hypothesis about when a creditor will sue:

  • We have seen lawsuits for under $2,000 owed, but there is a cost-benefit analysis that a creditor must go through.
  • How many accounts am I past due on? The more accounts I owe the higher the chance one may sue me.
  • Is the creditor I owe most of my debt to local or small (credit unions)? Also, do they have more of a vested interest to sue me because they are a smaller bank (personal relationship)?
  • How often do creditors I owe have access to my assets?
  • Do I have checking, savings, or investment accounts with the creditors I owe? Can they see my transactions?
  • Do I have equity in assets that banks can calculate based on what’s reporting to my credit report?
  • Does my state allow wage garnishment, levies or liens? Check the bottom section here.

What will happen if Transworld sues me?

You will receive a summons at your place of residence, hand delivered to you. You will have a certain number of days to respond. The summons should provide the necessary details about the lawsuit.

What happens if I ignore the summons?

If you ignore the summons or do not respond, the plaintiff will most likely request a default judgement, which the creditor will likely use to collect the funds using such things as wage garnishment, levies and liens. 

I don’t have money. I do not want to be sued. What are my options to resolve this debt?

Thankfully, you often have options to resolve the debt. Unfortunately, the question often becomes which debt do you resolve and which debt do you have to keep outstanding as many of us cannot resolve all of the debt at once, and we are being contacted by many different creditors.

If there’s no way you can resolve these accounts right now, I would recommend you access our free debt freedom portal, which will give you ideas on longer-term get out of debt options.

If you are able to resolve the debt, here are 4 main options:

  1. Resolve the debt yourself
  2. Hire a debt settlement company
  3. Research bankruptcy option
  4. Hire debt management company

Resolving the debt yourself means that you would call the creditor and try to resolve the debt yourself. This may be the best option if you have very little debt. 

Hiring a debt settlement company involves hiring a company to resolve all your debt, not just Transworld Systems. They would help prioritize, negotiate, and consolidate all of your debt together.

Chapter 7 and Chapter 13 bankruptcy often get rid of unsecured debt. The Chapter 7 is a faster and often less expensive bankruptcy, but it’s often called a liquidation bankruptcy as you can lose assets if those assets value are above the exemption. Chapter 13 is designed for wage earner’s, and it is often a 3 or 5-year payment plan based bankruptcy.

If you’d like to compare options, I would recommend you take the debt options calculator below.

Can I have TransWorld stop calling me from 855-245-7098?

Yes, according to the Fair Credit Reporting Act (FCRA), you have rights to ask them to stop contacting you.

Please be specific on which modes you’d like them to stop contacting you. If you ask a debt collector to stop calling you, the individual may feel it’s still okay to send mailers or potentially email you.

What If It’s Not My Debt?

If it’s not your debt, you may request for Transworld Systems to validate the debt. The consumer’s right to dispute the debt is part of your consumers’ right under the FCRA.

My situation is unique. What would you do?

We need to know more context. We do not provide any guidance without having a fuller understanding of your situation. If you’d like us to take a look, please do the following:

  1. Take the Debt Options Calculator.
  2. Select Analyze Review on the last page.
  3. Put in your information, and we will do our best to contact you to discuss the data.

If you need to get a hold of us, please call or text us at (833) 272-3631 or email

Post Author: Ben Tejes

Ben Tejes is a co-founder and CEO of Ascend Finance. Before Ascend, Ben held various executive roles at personal finance companies. Ben specializes in Chapter 13 Bankruptcy, Debt Settlement, Chapter 7 Bankruptcy and debt payoff methods. In his free time, Ben enjoys spending time going on adventures with his wife and three young daughters.

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