A letter arrives. A payoff date appears.
Jordan Hale is 73 days behind on a Heritage Trust Federal Credit Union Visa Platinum, balance $7,842.16. Heritage Trust is one lender using Debt Digest as software. Lenders, agencies, and firms use the same rails. Heritage Trust started this account in the software the same day they mailed the letter. Tap any tab below to walk through what a person sees: Home, Plan, Inbox, Payments, and Profile. Same surface any customer on a plan uses. Same numbers the lender loaded. No sign-up required to look around.
A navy card answers the only question a scared person is asking: when am I done? Jordan sees March 14, 2027 instead of $7,842.16. The progress ring shows the share already paid. No shame. No running totals. A destination to plan around.
Right above it: a note naming Heritage Trust as the company that owns the account, with every participating organization's role visible.
- Total on the plan with Heritage Trust and next monthly payment at a glance
- Days behind, 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
Jordan's plan tab leads with the plan Heritage Trust suggests, based on the income range shared with them. The lump-sum option is a one-time payoff of the remaining balance. 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 Heritage Trust suggests this tier and how to switch. Switching is one tap. The rest is math.
- Pay remaining balance once · $7,842.16, as loaded by Heritage Trust
- 3-month plan · $2,562.71/mo, as loaded by Heritage Trust
- 12-month plan at zero interest · $653.51/mo, no fees
- Penalty-free missed payments, built in by your creditor
This is where the record lives. The original letter from Heritage Trust is right at the top, so Jordan never has to dig for it. Below it: the timeline of every event on the account, every notice a person has the right to see, and a direct message thread with the lender.
No collection-style threats. No robocall scripts. Just the same record the lender 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 a published response-time target
The first thing Jordan sees: the next AutoPay, $653.51 on March 28, 2026, charged to Heritage Trust's own payment account from the bank account 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. Jordan's verified identity check, payment receipts, the Reg E disclosure agreed to when AutoPay was set up, Heritage Trust's own dispute and cease-communication policy, 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
Dear Jordan,
Your Visa Platinum ending in 4827 is 73 days behind, with a balance of $7,842.16. We want to work this out with you, not against you.
We use Debt Digest, our software, to show you a no-interest payment plan or a one-time payoff of the remaining balance. Sign in to see the options that fit your month. No fees. No surprises. No lectures.
Tasha Brooks · Heritage Trust · sample letter on this Debt Digest demo
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Letter mailed by Heritage TrustMar 4 · certified, USPS tracking 9405 5036
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Person 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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Heritage Trust's first AutoPay scheduledMar 28 · $653.51 from Heritage Trust checking ··3091
Got a letter from the company you owe? Open your portal.
If your lender, agency, or firm sent you a letter about your account, and they use Debt Digest, your plan options are already loaded. No credit check. Same screens this walkthrough shows, with your real numbers.
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