For credit unions and lenders

Past-due accounts,
resolved on your brand.

Your customers review, settle, and pay on your brand, every step recorded. Flat subscription, no percentage of recovery. Debt Digest is never a party to the debt and never collects in its own name.

Request a pilot Open the live demo
Role-based access, an audit trail, human approval at key actions.
Creditor
Debt Digest creditor workspace: the examiner-ready strip, on illustrative sample data
Consumer
Debt Digest consumer portal on a phone, showing two settlement offers awaiting a response on illustrative sample data
Agency
Debt Digest agency cockpit: examiner-ready strip with cease-communication requests honored and assigned account counts, on illustrative sample data
Firm
Debt Digest firm portal: assigned and contacted account counts above today's queue, on illustrative sample data
Illustrative product view: real product, sample data. One record, four views
The handoff

The usual handoff loses the record. This one keeps it.

The usual handoff

Place it, then lose sight of it.

  • Your customer often hears from a name they do not know.
  • What happened comes back as a report, not the record.
  • The bill climbs with recovered dollars.
  • Your own team learns the outcome last.
With Debt Digest

Keep the record, the brand, and the decision.

  • Your customer reviews and pays on your brand.
  • Offers, messages, and payments land on one record.
  • The creditor pays $2.50 per active account per month. People can enroll before you join. Never a percentage of recovery.
  • Offers stay inside limits you set.
  • Automated customer messages use only templates your team and a compliance reviewer approved.
The workflow

From placed to resolved, nothing gets lost.

Each step has an owner, an event, and a visible next action.

The creditor workspace header for an illustrative credit union, with the examiner-ready strip below it, on illustrative sample data
01 / 04

Placed

The creditor establishes the account, who may act on it, and the starting record.
The agency cockpit showing assigned and contacted account counts on illustrative sample data
02 / 04

Assigned

Authorized partners see only the work that belongs to them.
A consumer offer card showing the amount to pay and the savings, with a review and respond button, on illustrative sample data
03 / 04

Worked

Messages, offers, approvals, and payments become traceable events.
Three account rows in the firm portal with balances, days past due and status, one marked settled at a zero balance, on illustrative sample data
04 / 04

Resolved

The outcome is recorded for every participant who needs it.

Illustrative product views: real product, sample data.

The consumer experience

Your customer sees the account and clear options, in plain language.

Your customer signs in, sees the account, and chooses from options you approved, with your brand on every account.

  1. Creditor-branded at the account level

    Each account's card, notice, and receipt carries the creditor's brand. A customer with accounts from more than one creditor sees them inside a neutral Debt Digest home.

  2. Paid directly to the creditor

    Payments go from the consumer to the creditor. Debt Digest is never paid by the consumer.

  3. Recorded for review

    Every offer, message, and approval becomes an event the creditor can review later, not hidden state.

See the consumer experience
Debt Digest consumer portal showing two settlement offers with the amount to pay and the savings on each, on illustrative sample data
The consumer view. Illustrative sample data.
Built for review

Reviewable by design.

Built so an examiner, your board, or your own compliance team can see what happened on an account and who approved it.

Role-based accessEach participant sees the work and record fields their role permits.
Audit trailImportant actions remain visible as an ordered account history.
Payment directionFunds flow from the consumer to the creditor. Debt Digest is never paid by the consumer.
Human approvalKey actions stay reviewable instead of silently becoming automated decisions.
Diligence starts here: Security posture Trust center Live system status Legal and compliance
Subscription software

A clear platform price. No percentage of recovery.

Evaluation is free until 100 accounts or 30 days, whichever comes first. Crossing that line pauses new placements; it never charges you automatically. Paid access begins only under a separately accepted subscription order form.

See pricing
Creditors $2.50 per active account, per month $1,500 monthly floor
Agencies $200 per seat, per month $1,000 monthly floor
Creditor-side firms $300 per seat, per month $900 monthly floor
Evaluation
Free until 100 accounts or 30 days, whichever comes first.
Crossing that line
Pauses new placements. It never charges you automatically.
Payment direction
Consumer to creditor. Debt Digest is never paid by the consumer.

Make the next handoff easier to understand.

Bring a redacted account sample and the people who own the workflow. We will show how the shared record, role views, and review points fit your operation.

Request a pilot Open the live demo