For Credit Unions & Lenders

30–50% Higher Recovery.
Zero Operations.
Contingency Model.

Debt Digest is a software-first collections partner for credit unions. Place accounts, recover faster, control settlement authority, and generate borrower-specific outreach recommendations through a modern dashboard. No phone calls. No service contracts. Pure results.

Schedule a Pilot Discovery Call → See a Live Demo
18–24%
Target recovery (vs 11% industry avg)
$0
Upfront cost
30 min
Pilot setup, onboarding included
AI-scored
Outreach per account, auto-generated
We resolve debt for real people — not with phone calls, threats, or shame. Just math, empathy, and an app.

How It Works

Three steps to financial freedom. No phone calls required.

1

We Stop the Clock

No new interest or fees ever accumulate on your account. Your balance is fixed on day one. The number you see is the number you pay — it never grows.

2

Choose Your Plan

Choose a lump sum or monthly plan. Exact discounts are set by the creditor-approved settlement matrix for your account.

3

Pay on Your Terms

Track everything in the app. Miss 2 payments per year with zero penalty. Pay faster to save more — anytime.

$1.28T
US credit card debt (2025)
20%+
Average credit card APR
11%
Industry recovery rate
89¢
Lost on every dollar collected

Why Debt Digest Is Different

Built for people, not call centers.

No Interest. Ever.

Your balance is fixed the moment your account comes to us — it never grows. No new interest, no new fees. Settle in a lump sum and save up to 30% off your outstanding balance, or spread payments over 36 months with no added cost.

No Judgment. No Shame.

41% of defaults come from emergency expenses. Debt happens. We built this for real people in real situations.

App-First. No Phone Calls.

Manage your debt from your phone. See your balance, choose plans, make payments — all self-service, 24/7.

Pay Faster, Save More

Real-time discount engine calculates savings automatically. Switch to a faster plan anytime to save more.

The Debt Digest Pilot Model

For Credit Unions & Collections Partners: You place accounts. We provide the software and operations. You control settlement authority and approvals. You keep a percentage of net recoveries — typical range 20–40% depending on your operational involvement and account volume.

How It Works

  • Registration & LOI: 2-step intake, no legal overhead
  • Bulk Upload: Place accounts via JSON or CSV in batches
  • Smart Outreach: Optional account-history fields generate channel, timing, and tone recommendations
  • Automated Notices: FDCPA §809(a) notices sent on day 1
  • Real-time Dashboard: Track recoveries, disputes, payment status
  • Settlement Control: You approve or decline each settlement offer
  • Zero Operational Cost: Pure contingency — you pay commission only on actual collections

Request Pilot Terms →

Example: 500-Account Pilot

Typical outcomes assuming 18% recovery rate and competitive terms:

Accounts Placed500
Total Face Value$2.5M
Expected Collections$450K
Commission (sample)25–30%*
Your Net Revenue$112.5K–$135K
Your Cost$0
Optional debt-statement fields let Debt Digest recommend the best first contact channel, tone, and send window for each account without relying on broader consumer surveillance.
*Commission rates are negotiated based on volume, operational involvement, and settlement authority scope. Contact us to discuss your specific situation.

Are You Looking to Resolve Debt?

If a creditor or collection partner referred you here, we can help you understand your options.

For Consumers in Debt

If you've been placed with Debt Digest by your creditor, lender, or collection partner, your account is in good hands. We specialize in helping people like you:

  • ✓ No new interest — your balance is fixed from day one
  • ✓ Choose flexible terms from lump sum to 36 months
  • ✓ Get real help — no phone calls, no judgment, just math
  • ✓ Miss 2 payments per year with zero penalty
  • ✓ Track everything through our app

If your account is already with us: Log into the app with your credentials. Can't access it? Contact us at help@debtdigest.com


Get Help With Your Account →

Questions? Let's Talk.

For Creditors & Partners: Ready to explore a pilot? Schedule a discovery call.
For Consumers: Have an account with us? Contact our support team.