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.
See how the compliance worksIllustrative product preview. Real metrics populate from your portfolio after onboarding.
Built for any lender with past-due accounts to resolve, before and after charge-off
One platform · Three workflows · Better outcomes
Intercept
Before charge-off
Reach overdue customers early, while there is still time to catch up. They get a clear, no-pressure way to pay online, on your brand. You stop preventable losses before the account is written off. Timing follows your portfolio's own clock.
Recovery
After charge-off
Keep working accounts after charge-off, without handing them to a collector. You stay the holder of the account; Debt Digest is the software underneath. You pay a fee only on what actually gets resolved.
Tollbooth
Firm-negotiated accounts
When a settlement firm represents your customer, they negotiate in one shared online thread instead of weeks of phone and fax. Faster to a yes, with a clean record of every step.
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. You keep the relationship, the brand, and the decision on every message, with no core integration to build and no collections team to staff. Most lenders see live cures within 30 days.
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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.
FDCPA, Reg F, and TCPA contact rules are handled by default, your sends are captured in a tamper-proof audit trail, and you stay the party of record. Read the detail on our trust center and security page.
You pay nothing if we don't beat your baseline.
Pilots are free: $0 per account per month, no platform fee, no contingency, no percentage of recovery. Post-pilot: $2.50 per active account per month, $1,500/month floor. Borrowers pay you directly.
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.
Built for lenders who want control
Your accounts. Your terms. Your customer relationship. Debt Digest is the software underneath. You stay the holder of the account, the brand on the screen, and the destination of every dollar.
Built for forward-thinking lenders