For debtors

You got a message. Here's what's happening.

If you received an SMS or email about an overdue invoice and ti3 was mentioned, this page is for you. Take a breath. There are good options here.

The 30-second version
  1. This is a message from a business you owe. Not from a debt collector. Not from us. ti3 is software the original business is using to manage their own outreach.
  2. Your credit isn't affected. Nothing's been reported. You haven't been "sent to collections." The original business still owns the account.
  3. Click the link in the message and pick a path. Pay, settle for less, set up a plan, or dispute. The link goes directly to the business's own payment processor (Stripe, PayPal). It doesn't route through us.
Your options

Five paths. Pick the one that fits.

Avoidance doesn't work; specific offers usually do. Even a small payment plan resolves things faster than silence.

1

Pay the invoice in full

If you can. Click the link in the message. It goes to the creditor's own payment account (Stripe, PayPal, or similar). Once paid, the sequence ends.

2

Settle for less

Many businesses offer settlement discounts. You'll often see "Settle this week, save 20%" or similar. If you can pay something today, this is usually the cleanest path.

3

Set up a payment plan

Can't pay in full but can pay something over time? Propose a plan within the rules the creditor has configured. They can accept, counter, or decline. No phone call required.

4

Counter-offer

If the offered settlement doesn't work, propose your own number. Specific amount, specific date. You'd be surprised how often a real number gets accepted.

5

Dispute the invoice

If you believe the invoice is wrong (work wasn't done, amount is incorrect, you've already paid, you never agreed to the charge), use the "dispute" option in the message. The account is paused, the creditor is notified, and they'll come back with documentation. Don't ignore. Actually file the dispute.

Concerned this might be a scam?

Reasonable concern. Here's how to verify it's legitimate:

  • The business name in the message should be one you've actually done work with. If you've never heard of them, the message may have been sent in error. Reply asking for clarification.
  • Payment links route to the creditor's own payment processor (Stripe, PayPal, etc.). They never route to "ti3" or any unfamiliar name. If a link asks you to send money to ti3 directly, it's not legitimate.
  • If you're still unsure, contact the business directly through a phone number or email you've used before (not the one in the message). Ask them if the message is genuine.

What NOT to do

  • Don't ignore it. The sequence is structured to keep contacting you. Engaging, even just to say "I can pay $200 next week", almost always resolves things faster.
  • Don't promise what you can't deliver. "I'll pay next week" without intent just resets the clock and frustrates the creditor. A real, smaller offer beats an unkept large one.
  • Don't assume the worst. The creditor used ti3 specifically because they wanted to recover the money without involving a debt collector or damaging the relationship. They want this resolved as much as you do.
  • Don't reply with hostility. The creditor is a real person at the business you owe. Hostility makes a payment plan less likely, not more.

What if I genuinely can't pay anything?

It happens. Cash flow is hard. The most useful thing you can do is reply to the message and say, in plain language, what you can pay and when. Most creditors will accept a long-tail payment plan ($100/month over 12 months, for example) over no payment at all. The worst response is silence, which is the path that escalates.

What ti3 sees and doesn't see

ti3 sees: the message sent, whether you opened it, your reply if you replied, the option you picked (if you picked one), and the payment status. ti3 does NOT see your bank account, your credit report, your social media, your employer, or anything else. ti3 doesn't sell or share your data. We exist to help the original creditor recover their invoice.

Getting in touch

For questions about specific invoices, contact the business that's owed money directly (their info is in the message you received). For questions about the platform itself, reach our support at [email protected]. We'll respond within one business day.