Debt Digest

Recover More.
Spend Less.

The collections platform that recovers 72% more than traditional agencies — with zero phone calls, zero upfront cost, and zero consumer complaints.

App-First Experience

Consumers resolve debt through a friendly, self-service app. No calls. No threats.

Real-Time Analytics

Creditors see recovery rates, payment trends, and portfolio performance live.

Automated Tollbooth

Law firms and settlement companies negotiate via self-service portal. Zero staff cost.

FDCPA Compliant
Compliance-First
Reg F Ready
19.4%
Recovery rate
vs. 11.3% prior agency
72%
Higher recovery
vs. prior agency*
62.2%
Engagement rate
industry avg: 18%
$0
Upfront cost
contingency only

*Benchmark based on pilot modeling vs. 11.3% prior agency baseline. Commission-only model — you pay only on actual collections.

🔍
Real account. Zero phone calls.
Sarah Johnson · Placed Jan 6 · First payment Jan 15 · $3,465 net to you — 42% of face value. Before we sent the first notice, our system recommended: SMS, neutral tone, Tuesday 7 PM. She enrolled in 4 days.
Welcome back, Sarah Johnson

Your Debt Resolution Dashboard

Flexible plans. Real savings. A clear path to being debt-free.

Total Settlement Savings
$1,032
Pay faster, save more
Your creditor has approved settlement discounts on your accounts.
Life Happens Protection

You get 2 free missed payments per year — no penalty, no calls, no credit impact. Your remaining balance just spreads across your other months.

Your Debt-Free Journey

$2,735 paid
13 payments made · 1 account 75% done $7,580 remaining across 2 active accounts
Next Payment Due
$218.00
Apr 15 · Capital One #...4821
Paid So Far
$2,735
13 payments · great momentum!

Your Accounts

Back to Dashboard

Capital One Quicksilver

Account #...4821 · 36-Month Payment Plan

Settlement Savings
$412
Original balance: $8,247
Your creditor approved a settlement discount of 5%.
Original Balance
$8,247
Your Settlement Amount
$7,835
Savings: $412 (5%)
Payments Made
4 of 36
Next: Apr 15, 2026
Remaining Balance
$6,963
$872 paid so far

Pay Faster, Save More

Switch to a shorter plan anytime — your discount increases automatically. No penalties, no fine print.

Current: 36 Months
$7,835
Save $412 (5% off balance)
$218/mo
24 Months
$7,422
Save $825 (10% off balance)
$309/mo
Best Value
12 Months
$6,598
Save $1,649 (20% off balance)
$550/mo
Lump Sum
$5,773
Save $2,474 (30% off balance)
One payment

Payment History

Mar 15
$218.00
Paid
Feb 15
$218.00
Paid
Jan 15
$218.00
Paid
Dec 15
$218.00
Paid

Back to Dashboard

Chase Sapphire

Account #...9103 · Enrolled · Choose Your Payment Plan

Outstanding Balance
$12,500
Settlement discounts available
Pay faster to save more. Choose a plan below.
Outstanding Balance
$12,500
Best Possible Savings
$3,750
30% off with lump sum
Charged Off
Apr 2025
Status
Selecting Plan
No payments yet

Choose Your Payment Plan

Pick the timeline that works for your budget — pay faster to save more.

36 Months
$11,875
Save $625 (5% off balance)
$330/mo
24 Months
$11,250
Save $1,250 (10% off balance)
$469/mo
Best Value
12 Months
$10,000
Save $2,500 (20% off balance)
$833/mo
Lump Sum
$8,750
Save $3,750 (30% off balance)
One payment

Back to Dashboard

Discover It

Account #...5567 · 12-Month Plan · 75% Complete

Settlement Savings
$620
Original balance: $3,100
Your creditor approved a 20% settlement discount.
Original Balance
$3,100
Your Settlement Amount
$2,480
Savings: $620 (20%)
Payments Made
9 of 12
3 left — almost done!
Remaining
$412.50
$1,237.50 paid

You're Almost Debt-Free!

Just 3 more payments of $137.50/mo. Want to finish early?
Pay $412.50 now and close this account today.

Payment History

Mar 15
$218.00
Paid
Feb 15
$218.00
Paid
Jan 15
$218.00
Paid
Dec 15
$218.00
Paid
Nov 15
$137.50
Paid
Oct 15
$137.50
Paid
Sep 15
$137.50
Late — No Penalty
Aug 15
$137.50
Paid
Jul 15
$137.50
Paid
Pilot Command Center

Clearwater Federal Credit Union

90-Day Pilot · 2,847 accounts · $14.25M face value · Started Jan 6, 2026

⚠ Demo Data — All Figures Simulated
Action: 90-Day Pilot Review — Today
Your pilot hit 90 days on Apr 5. Recovery is outperforming — it's time to discuss expansion.
Your prior agency recovered 11.3%. We're recovering 19.4%.
Same portfolio. Same members. Different approach. We replaced threatening calls with a self-service app — and your members are paying at nearly double the rate.
Recovery Rate ⓘ
19.4%
+72% vs. prior agency
Dollars Recovered
$2.76M
+$1.1M vs. last year
Net to You
$1.93M
After 30% fee
Complaint Rate
0.02%
Industry avg: 0.35% · per contact
Your Recovery Math — This Pilot
Gross Recovered$2,762,400
Debt Digest Fee (30% of gross)−$828,720
Net to You$1,933,680
FDCPA notices, dispute handling, compliance & platform — included. 30% on gross recovery only.

Latest Activity

Live feed
2:14 PM
$137.50 payment received — S. Johnson (Acct ...4821)
1:48 PM
New enrollment — T. Nguyen selected 24-month plan ($4,200)
1:22 PM
$5,100 settlement accepted — Smith & Associates (Acct ...1098)
12:55 PM
Dispute filed — R. Garcia (Acct ...6612). Collection auto-paused.
12:30 PM
FDCPA notice auto-sent — 3 new accounts placed this morning
11:45 AM
$292.50 payment received — A. Williams (Acct ...8455)
11:12 AM
App opened — K. Martinez viewing payment options (Acct ...3301)
10:38 AM
Account resolved — J. Park paid final $218.75 (Acct ...9044)

Portfolio Lifecycle

Click any stage for detail
2,847
Placed
$14.25M
→
2,847
Notice Sent
100%
→
1,771
Engaged
62.2%
→
1,636
Plan Selected
57.5%
→
1,247
Paying
$6.24M
→
389
Settled
$1.95M

Why Recovery is 72% Higher

62.2%

Engagement Rate

Members open the app because we lead with empathy, not threats. Industry average is 18%. Higher engagement = more plans started.

38%

Accelerated Plans

Real-time discounts incentivize faster payment. 38% of members choose 12-month or lump sum — each dollar arrives sooner.

$47K

Tollbooth Revenue

Settlement firms pay $200 per transaction to use self-service. Pure margin — zero staff time, billed to the firm.

0

FDCPA Lawsuits

Automated compliance eliminates human error. No calls = no TCPA exposure. No threats = no FDCPA suits. Zero legal cost.

Monthly Recovery Trend

+73% growth

Debt Digest vs. Traditional Agency

MetricDebt DigestTraditional
Recovery Rate19.4%11.3%
Complaint Rate0.02%0.35%
First Payment14 days †45+ days
Member NPS ‡+42−15
Staff RequiredZero100+ agents
FDCPA Lawsuits/1K0 (by design)2.1
† Median days to first consumer payment in pilot modeling. ‡ NPS benchmark from consumer app debt resolution research; industry traditional agency average per CFPB 2024 complaint report.

Member Journey: Sarah Johnson

Account #...4821 · Capital One Quicksilver · $8,247 face value

Your Net Recovery
$3,465
42% of face value (vs. 11% prior)
Account Placed
Jan 6
FDCPA Notice
Jan 6 (auto)
App Opened
Jan 9
36-mo Plan
Jan 12
First Payment
Jan 15 ($138)
4
Paying
$550 of $4,950
36
Resolved
Est. Jan 2029
Settlement Discount
5%
Plan Amount
$4,950
Monthly
$137.50
Complaints
0
Phone Calls
0
Relationship
Preserved
🧠 AI Outreach Profile — Generated at Placement
Channel
SMS (mobile-first, evening opener)
Tone
Neutral / Non-judgmental
Best Send Window
Tue 7 PM
Result
Enrolled in 4 days. 0 follow-ups needed.

ROI Calculator — Model It With Your Numbers

Additional Recovery
+$1.15M
at 19.4% vs 11.3%
Additional Net to You
+$726K
after Debt Digest 30% fee
ROI Uplift
+53%
net dollars improvement
The Bigger Picture
5,000+ credit unions. $40B+ in annual charge-offs. One platform.
Clearwater is account #1. What you're seeing is infrastructure — the same system that processes one portfolio processes ten thousand. No additional staff. Same compliance. Same economics.
5,000+
U.S. Credit Unions
$40B
Annual Charge-Offs
$0
Incremental Staff
$0
Upfront Cost
30% on what we collect only
90 days
Pilot Duration
200–500 accounts · non-exclusive
Walk away
Exit Terms
No penalty · accounts returned

Ready to see this on your portfolio?

200 accounts. 90 days. If we don't outperform, walk away — zero cost.

Operations Console

See the system work. These simulations show exactly what happens when you place accounts, upload a portfolio, and when a member files a dispute.

debt-digest-ops

What Just Happened

Click any simulation above to see the system process accounts in real time. Every step is automated, logged, and compliant — no human intervention required.

System Capabilities
Account placement with auto-consumer creation
FDCPA §809(a) validation notice generation
Bulk upload up to 1,000 accounts per batch
30-day dispute pause enforcement
AI outreach profiles (channel, tone, send window)
Automated verification letter delivery
Full audit trail on every action

Why This Matters for You

Staff time per account placement0 minutes
FDCPA notice deliveryAutomatic, <24 hours
Dispute complianceSystem-enforced, no overrides
Audit trailEvery action, timestamped
Error rate0% (deterministic)
Cost per actionSoftware only
Traditional agencies: 15-20 min per account placement, manual notice generation, inconsistent dispute handling. Debt Digest: zero human time, zero compliance gaps.

Portfolio Lifecycle — Every Account, Every Stage

How an Account Moves Through the System

Every account follows a deterministic path. No judgment calls. No forgotten files. The system handles notices, engagement, plan selection, payments, disputes, and settlements — each step logged, compliant, and auditable.

2,847
Placed
$14.25M
→
2,847
FDCPA Notice Auto-Sent
100% within 24hr
→
1,771
Opened App
62.2% engage
→
1,636
Selected Plan
92.4% of engaged
→
1,247
Active Payments
$6.24M face
→
389
Fully Settled
$1.95M face

Portfolio Status Detail

StatusAccountsFace Value% of PortfolioAvg. Balance
Active Payment Plan1,247$6.24M43.8%$5,004
Fully Settled389$1.73M13.7%$4,447
Engaged — Selecting Plan135$821K4.7%$6,082
Engaged — App Active389$2.18M13.7%$5,604
Notice Sent — Awaiting498$2.16M17.5%$4,337
Unresponsive (60+ days)189$1.41M6.6%$7,460

Plan Mix Distribution

How members chose to pay. Faster plans = earlier cash for you.

14%
Lump Sum
Avg. 58% of face
24%
12 Month
Avg. 74% of face
31%
24 Month
Avg. 84% of face
31%
36 Month
Avg. 90% of face

Tollbooth Settlement Inbox

$200 fee per settlement · billed to firm $47,200 YTD revenue
Johnson Law Group · Acct ...7733
Lump sum settlement · Accepted Mar 28
$3,450
+$200 fee
Smith & Associates · Acct ...1098
Lump sum settlement · Accepted Mar 26
$5,100
+$200 fee
Apex Debt Solutions · Acct ...2244
3-month offer submitted · Below minimum — auto-rejected
$4,200
Rejected
Davis Legal · Acct ...8811
6-month settlement · Accepted Mar 22
$6,700
+$200 fee
236 settlements processed this year · Avg. settlement: 68% of face value · showing recent Zero phone calls. Zero staff time.

Recent Payments

DateMemberAccountAmountTypeStatus
Mar 28S. Johnson...4821$137.50MonthlyCleared
Mar 28M. Rodriguez...7733$3,450.00SettlementCleared
Mar 27J. Chen...2190$175.00MonthlyCleared
Mar 27A. Williams...8455$292.50MonthlyCleared
Mar 26T. Patel...1098$5,100.00SettlementProcessing

Compliance Proof Room

Every action in the system is logged, timestamped, and exportable. Auditors, regulators, and your board see the same data you do.

99
Compliance Health Score: 99/100
Calculated from FDCPA notice delivery rate, dispute response times, collection pause enforcement, and violation history. One point deducted for a notice delivered at 25 hours (threshold: 24). Corrected and now within SLA.
0 violations 0 TCPA exposure 100% dispute pause rate 41 disputes resolved
FDCPA Validation Notice — Sample
NOTICE OF DEBT — FDCPA §809(a)

This communication is from Debt Digest, a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Creditor: Clearwater Federal Credit Union
Account: #...4821
Amount of Debt: $8,247.00
Current Creditor: Clearwater Federal Credit Union

Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice, the debt will be assumed to be valid.

If you notify us in writing within the thirty-day period that the debt, or any portion thereof, is disputed, we will obtain verification of the debt and provide a copy to you.

Sent: Jan 6, 2026 at 08:14 AM CST (automated)
Method: Digital delivery via app (in-app notification + email)
Generated automatically on account placement · Logged to audit trail
Dispute Pause Event Log
Account#...6612 (R. Garcia)
Dispute FiledFeb 14, 2026
Collection PausedFeb 14, 2026 (auto)
Verification SentFeb 15, 2026
Dispute ResolvedMar 2, 2026
Collection ResumedMar 2, 2026 (auto)
Duration16 days — 0 collection activity (resolved early; max pause: 30 days)
System enforces 30-day pause automatically · No human override possible
Settlement Execution Trail
Account#...7733 (M. Rodriguez)
FirmJohnson Law Group
Offer SubmittedMar 27, 2026 14:22
Amount$3,450 (lump sum)
DecisionAuto-accepted
Agreement SentMar 27, 2026 14:22
Tollbooth Fee$200 (billed to firm)
End-to-end: 0 seconds human time · Settlement agreement auto-generated
Audit & Export
Total FDCPA Notices Sent2,847 (100%)
Avg. Notice Delivery< 24 hours
Active Disputes3 (all paused)
Resolved Disputes41
FDCPA Violations0
TCPA Violations0
Consumer Complaints1 → resolved & closed

Compliance Framework

FDCPA §809(a) Auto-Notices
CFPB Regulation F
30-Day Dispute Pause (enforced)
Mini-Miranda on all notices
Zero outbound calls (no TCPA risk)

30-Day Forecast

Generated: Apr 5, 2026

Based on current payment plans, settlement pipeline, and engagement rates.

Week 1 (Apr 6-12)
$89,400
342 monthly payments
+ 4 expected settlements
Week 2 (Apr 13-19)
$76,200
298 monthly payments
+ 2 expected settlements
Week 3 (Apr 20-26)
$112,800
487 monthly payments
+ 6 expected settlements
Week 4 (Apr 27–May 3)
$68,500
271 monthly payments
+ 3 expected settlements
30-Day Forecast Total
$346,900
Your Net (after 30% fee)
$242,830
Confidence
87%
Based on 90-day payment history

Upcoming Milestones

Next 10 accounts to fully resolveBy Apr 19
1,300th active payer milestoneEst. Apr 24
$3M cumulative recoveryEst. May 2
Pilot 90-Day Review — Today, Apr 5 Your pilot is complete. Recovery outperformed — time to discuss expansion.

Risk Flags

Accounts 30+ days past due23 (1.8%)
Active disputes3 (paused per FDCPA)
Settlement offers below min2 (auto-rejected)
Complaint trendFlat at 0.02%

The 90-day review is April 5th.

Let's walk through these numbers together and discuss expanding the pilot.

Debt Resolution Calculator

See exactly what you'd pay — no surprises, no hidden fees, no tricks.

$15,000
$500$100,000

Ready to start your debt-free journey?

Enter your email and we'll send a personalized plan — no credit check, no commitment.

Settlement Tollbooth

Self-service settlement portal for law firms and debt settlement companies. No phone calls. No staff. Instant decisions.

What is the Settlement Tollbooth?

When a consumer hires a debt settlement firm or attorney to negotiate on their behalf, those firms typically call your collections staff to haggle — eating up hours of phone time per account. The Tollbooth replaces that entire process with a self-service portal. Firms look up the account, see the minimum you'll accept, and submit an offer. They get an instant accept or reject — no phone calls, no staff time, no back-and-forth. You get a $200 flat fee per settlement charged to the firm (not deducted from your recovery).

1

Firm Looks Up Account

Settlement firm enters the account number. System returns balance, status, and the minimum settlement you'll accept.

2

Firm Submits Offer

They choose a dollar amount and payment timeline. Faster payment = lower acceptable minimum.

3

Instant Decision

Offer is instantly accepted or rejected with a counter-offer. Settlement agreement is auto-generated. Zero humans involved.

Why Do Minimums Vary by Payment Timeline?

Faster payment is worth more to the creditor. A lump sum today eliminates collection risk entirely, so the creditor accepts a lower percentage.

Lump Sum
70%
of face value
Conservative default — paid within 30 days
3 Monthly Payments
80%
of face value
Moderate risk — 90-day payout
6 Monthly Payments
90%
of face value
Higher risk — 6-month payout

Submit Settlement Offer

Live demo — switch to "Lump Sum" to see an accepted offer. Or leave at 6-month to see instant rejection with counter-offer.

Account Details

Account...4821
Original CreditorCapital One
Face Value$8,247.00
Current StatusActive Payment Plan
Consumer Has DisputeNo
Min Acceptable (this timeline)$6,598 (80%)

Submit an offer to see an instant accept or reject decision.
Try Lump Sum for an acceptance → or 6 Monthly for a rejection.
Creditor economics: This is pure upside.
The $200 tollbooth fee is charged to the settlement firm, not deducted from your recovery. You receive the full settlement amount minus our standard 30% commission — same as any other collection.
Pilot Onboarding

Launch a Pilot

Three steps from here to first recovery. No upfront cost. No long-term commitment. If we underperform, walk away.

Commitment
200–500 charged-off accounts · 90 days · Non-exclusive (your current agency keeps running)
Cost Structure
$0 upfront · 30% commission on what we collect · If we collect nothing, you pay nothing
Exit Terms
Walk away at 90 days · No penalty · All accounts returned · No lock-in contract
From the Founder

I represent consumers being sued for credit card debt at a debt settlement law firm. Every day I see the same pattern: your members want to pay — they're just paralyzed. I built Debt Digest to fix that relationship from the inside out, with empathy and math instead of judgment and pressure. This isn't a collections company trying to sound nice. It's the product I wish existed for every client I've represented.

— Gates VanderWolk, Founder · gates@debtdigest.com
🔒 Your Data Is Safe
✓ Account data used only for collection services — never sold, shared, or used for marketing
✓ GLBA-compliant data handling; NCUA third-party vendor requirements addressed in service agreement
✓ Encrypted in transit (TLS) and at rest; JWT-authenticated access; full audit log on every action
✓ Data returned or destroyed at end of engagement; no residual consumer data retained
1
2
3

Step 1: Review & Sign LOI

A one-page letter of intent. Non-exclusive — keep your current agency running in parallel. Sets clear terms so both sides know what to expect.

Or email directly: gates@debtdigest.com

Letter of Intent — Pilot Program

NON-BINDING · PREVIEW

Accounts
200 charged-off
Commission
30% contingency
Duration
90 days
Exclusivity
Non-exclusive
Upfront Cost
$0
Exit Clause
Walk away at Day 90

This Letter of Intent confirms mutual interest in a 90-day pilot. Creditor provides 200 charged-off consumer accounts. Debt Digest performs collection services on a 30% contingency basis — creditor pays nothing unless funds are recovered. Either party may terminate at the 90-day review with all accounts returned.

Creditor
Debt Digest

Step 2: Upload Your Accounts

Send us a CSV or JSON file with your charged-off accounts. We auto-create consumer profiles, generate FDCPA §809(a) validation notices, and begin outreach within 24 hours. If you include debt-statement fields, the system also recommends the best channel, timing, and tone for each borrower.

CSV or JSON · Up to 1,000 accounts per batch
Required fields: consumer name, email, original creditor, principal balance, charge-off date. Optional enrichment: delinquency stage, minimum due, recent payment pattern, last payment date.
Auto
Consumer Creation
Auto
FDCPA Notices
24hr
Outreach Begins

Step 3: Your Dashboard Goes Live

From the moment accounts are placed, you see everything — engagement rates, payment activity, settlement offers, compliance status. Weekly reports in your inbox. First payments typically arrive within 14 days.

14
Days to First $
Weekly
Reports
Day 90
Review

Questions? gates@debtdigest.com