A letter arrives. A payoff date appears.
Maria Delgado is 73 days behind on her Heritage Trust Federal Credit Union Visa Platinum, balance $7,842.16. Her credit union placed the account with Debt Digest the same day they mailed the letter. Tap any tab below to walk through what she sees: Home, Plan, Offers, Payments, and Profile. Same surface every enrolled member uses. Same numbers her credit union loaded. No sign-up required to look around.
A navy card answers the only question a scared member is asking: when am I done? Maria sees March 14, 2027 instead of $7,842.16. The progress ring shows the share she has already paid. No shame. No running totals. A destination she can plan around.
Right above it: a one-line note from Heritage Trust confirming the account is real and that she is in good hands.
- Total enrolled and next monthly payment at a glance
- Days past due, current step, and verified status as stat pills
- Payoff trend line goes down, not up · zero balance by March 2027
- Today's Actions surfaces what to do next in one tap
Maria's plan tab leads with the 12-month plan because that is where her budget fits best given the income range Heritage Trust shared. The lump-sum plan saves the most. The 3-month plan is the middle option. Every plan is transparent math: principal only, no late fees, no surprise interest.
An AI Insight below the hero explains in plain English why this tier was chosen and how to switch. Switching is one tap. The rest is math.
- Lump-sum at 30% courtesy discount · saves $2,352.65
- 3-month plan at 2% courtesy discount · $2,562.71/mo
- 12-month plan at zero interest · $653.51/mo, no fees
- Penalty-free missed payments, built in by your creditor
This is where the relationship lives. The original letter from Heritage Trust is right at the top, so Maria never has to dig for it. Below it: the timeline of every event on her account, every notice she has the right to see, and a direct message thread with the credit union.
No collection-style threats. No robocall scripts. Just the same record her credit union has, written in plain English.
- Heritage Trust letter excerpt with PDF link
- Step-by-step timeline from letter mailed to first payment scheduled
- Two-way message thread with Heritage Trust, with response-time SLA
The first thing Maria sees: her next AutoPay, $653.51 on March 28, 2026, drawn from the routing number she verified on day two. Below it, the full 12-month schedule with the first payment marked Scheduled and the rest dated out through February 28, 2027.
The pause card sits in the middle of the schedule: a quiet reminder that two months of misses each year are penalty-free.
- Next payment at the top, no scrolling to find it
- All 12 payments dated, $653.51 each, no balloons
- Pause-month indicator and the payment-method card right where you'd look
Everything personal and legal lives here. Maria's verified identity check, payment receipts, the Reg E disclosure she agreed to when she set up AutoPay, her rights under the FDCPA (§809 dispute window, §805(c) cease-communication), the Heritage Trust support line, and the sign-out button.
- Receipts and statements · Your Rights and Protections
- Identity verification record · Reg E AutoPay disclosure
- Heritage Trust member services line and Debt Digest support email
- Zero interest, zero fees, principal only
- Penalty-free missed payments, set by your creditor
- Pay ahead anytime, no prepayment penalty
- Reported to Heritage Trust as paid-as-agreed
Dear Maria,
Your Visa Platinum ending in 4827 is 73 days past due, with a balance of $7,842.16. We want to work this out with you, not against you.
We use Debt Digest, our member-care software, to offer you a no-interest payment plan or a one-time settlement of $5,489.51. Sign in to see the options that fit your month. No fees. No surprises. No judgment.
Tasha Brooks · Member Recovery · Heritage Trust FCU
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Letter mailed by Heritage TrustMar 4 · certified, USPS tracking 9405 5036
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Member opened portalMar 6 · signed in from iPhone Safari
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Identity verifiedMar 6 · last-4 SSN, DOB, mailing ZIP 78240 match
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Plan accepted · 12-month, $653.51/moMar 7 · e-signed, copy emailed to you and Heritage Trust
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First AutoPay scheduledMar 28 · $653.51 from Heritage Trust checking ··3091
Got a letter from your credit union? Open your portal.
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