The platform that turns past-due accounts into resolved ones.
Lenders use Debt Digest to give overdue customers a fair way to pay, online, before and after charge-off. Every notice, message, and payment page carries your brand, not ours.
See how the compliance works
One text becomes a resolved account.
A past-due member gets one message, from you, on your brand. One tap opens a secure, pre-approved way to resolve. They accept, sign, and pay, entirely on their own. Every step is logged for the examiner, and your team touches the account zero times.
- Contact
- Verify
- Offer
- Approve
- Pay
- Document
- Done
from first contact to signed settlement
Required notice on file. Telephone-frequency and channel policies applied. Every action hash-chained into an examiner-ready log. The rail does the work; the record proves it.
FDCPA §1692 aligned by design
Reg F §1006.14(b)(2) telephone frequency
§1006.34 validation notices
SR 11-7 aligned audit trail
SOC 2 Type I roadmap
One rail for the whole delinquency lifecycle
Built for any lender with past-due accounts to resolve, before and after charge-off. Charge-off is the point where a lender writes the balance off its own books for accounting purposes. The money is still owed, and it can still be paid. Credit unions first; banks, fintech lenders, collection agencies and creditor-side firms on the same rail.
Catch up before charge-off.
Pre-charge-off outreach and self-service payment plans, on your timing.
Keep working accounts after charge-off.
Post-charge-off recovery on the same rail. Agencies and creditor-side law firms work accounts in their own cockpits.
See the agency cockpit →Your brand, our rail.
Per-creditor theming, badge-free portals, custom domains.
§1006.34The regulator over your shoulder is designed in.
Validation notices, dispute pauses, and cease-contact enforcement run at the code path.
§1006.6 · §1006.14Every message counted, gated, and logged.
Frequency counting and quiet-hours gating before anything sends.
See the charge-off clock running.
Portfolio aging, cure tracking, and the countdown on every account.
You stay the only voice your customer hears.
Think of Stripe, Twilio, or DocuSign: software that powers what a business does, while the business stays in charge. Debt Digest is that software for past-due accounts. Branding is per interaction. Every notice, message, envelope, SMS sender, and payment page carries your brand. On your own domain the entire surface is yours. And where a customer owes more than one lender, the shared view is deliberately neutral: your competitor's brand never appears beside yours either. You keep the relationship, the brand, and the decision on every message, with no core integration to build and no collections team to staff. See exactly whose brand appears, touchpoint by touchpoint →
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1
Import your accounts
Upload via CSV or API. We auto-generate the FDCPA validation notice, build a per-account profile, and mark each account as Not Yet Contacted.
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2
Review who hasn't been contacted
Filter to the Not Yet Contacted queue. See the prepared notice, the channel recommendation, and the timing window before anything goes out.
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3
Click to send: you're in control
One button. Emails go out under your name, your reply-to, your brand. The audit log captures who clicked, when, and which account moved from pending to sent.
Creditor-initiated
Built compliant, by default.
Configured FDCPA, Reg F, and TCPA controls run in the workflow, every send is captured in a tamper-evident audit trail, and account ownership, authority, sender identity, and decisions remain explicit. Read the detail on our trust center and security page.
Simple per-account pricing. Pilots are free.
Start with a free pilot: $0 until you have placed 100 accounts or 30 days have passed, whichever comes first, and both are raisable for a negotiated pilot. Nothing converts automatically: new placements simply pause until you accept an order form. After that, a flat $2.50 per active account / month with a $1,500/month floor. Your borrowers pay you directly; Debt Digest is the software underneath.
See the math on your portfolio in 30 minutes.
Send us a redacted snapshot of your past-due accounts. We'll model your recovery lift, pilot economics, and 90-day rollout plan at no cost, no obligation.