This is the real product, running on sample accounts. Walk through how a lender sets up offers and how a customer resolves a past-due balance online, with no fees added by Debt Digest and no pressure. Nothing to install, nothing to sign up for.
Illustrative sandbox data. Real metrics populate from the creditor's portfolio after onboarding.
Credit unions today; collection agencies and creditor-side law firms on the same rail. Everything below ships in production now; you can click it.
Pre-charge-off, B2B SaaS.
The software gives a lender's customers a fair, self-service way to catch up online before an account charges off. The creditor, account owner, sender, and decision-maker stay explicit on each account. The production surface is available for verified credit-union pilot activation.
Post-charge-off, B2B SaaS.
The same rail after charge-off. Collection agencies and creditor-side law firms work placed accounts in their own cockpits: a dollar-ranked queue, offer / counter / accept resolutions, and the Reg F frequency counter on the operator screen. Their authority, sender identity, conduct, and actions are recorded against the shared account history.
Posted pricing. The compliance detail is below for the teams who need it. The product expands across the rest of the past-due journey as customer demand pulls us forward.
Debt Digest is the neutral rail between them. Jump to the entry point built for your side; the rest of the page reads top to bottom.
More consumer-side entry points join the rail as those segments activate.
Tap a tab. Each pane shows the live UI plus a numbered "what to look for" list. All three flows are shipping today.
| Consumer | Creditor | Balance | DPD | Status | Next action |
|---|---|---|---|---|---|
| Andrea Park | Cascade Mountain FCU | $3,184.20 | 14 | On plan (3 of 12) | No action |
| Jorge Martinez | Cascade Mountain FCU | $4,287.50 | 32 | Delinquent | SMS · soft check-in |
| Brendan O'Hara | Cascade Mountain FCU | $8,402.18 | 61 | Delinquent | Email · plan offer |
| Renee Johnson | East Ridge Community Bank | $5,230.00 | 88 | Delinquent | Call · restructure offer |
| Sophie Chen | Cascade Mountain FCU | $12,914.06 | 97 | 90+ DPD | Settlement offer |
| Jamal Washington | Cascade Mountain FCU | $2,847.50 | 112 | 90+ DPD | Counsel review |
Want to walk through this on your real bucket?
Request a pilotCreditors pay a flat per-account subscription from $2.50 per active account per month with a $1,500 monthly floor. Agencies and firms pay per seat. No percentage of recovery, ever. Posted in public; the CFO sees the numbers before the kickoff call.
See the full plan cards on the pricing page → The public rate card applies only through an explicitly accepted order form.
The platform records who owns the account, who is authorized to act, who sends each communication, and who makes each decision. Current direct-payment flows route consumer funds to the identified owner or authorized payee. The detail below is for your compliance and legal teams.
In the currently activated direct-payment workflow, the consumer pays the identified account owner or authorized payee and participating organizations pay Debt Digest by subscription. That routing is an operating fact, not a legal-status shortcut.
FDCPA §1692g Validation notice
FDCPA §1692g(b) Dispute pause
FDCPA §1692c(a)(2) Counsel firewall
FDCPA §1692e(11) Mini-Miranda
Reg F §1006.6 Outreach windows
Reg F §1006.34 Itemization
Per-segment timing Each creditor's own charge-off window
TCPA 47 U.S.C. §227 Consent-based outreach
Role-aware controls Counsel-gated activation
Legal duties are evaluated from actual role, authority, conduct, account context, jurisdiction, and law. New participant capabilities or changes in conduct require a discrete, counsel-reviewed control decision before activation.
Jump straight into a real, sandboxed portal preloaded with fictional data. Nothing to type. Each demo tenant is isolated from production and resets automatically between visits.
Clearwater Community FCU sandbox: the live seeded portfolio the consumer demo runs on, including a standing settlement offer in the review queue.
Alex Morgan's portal: five accounts across the lifecycle, an active payment plan, and a live settlement negotiation to accept or counter.
Gulf Coast Recovery sandbox: the collections cockpit for placed accounts, with a dollar-ranked work queue and live offer / counter / accept resolutions.
Demo environment with fictional data. Logging in, taking actions, and viewing balances here has no effect on any real consumer or creditor. The demo tenant resets automatically between visits. Credentials are rate-limited to 10 requests per hour per IP. For the full trust posture, security headers, vendor list, and SOC 2 audit status, see trust center.
Every flow you can click in the sandbox is real production code. The product is live today and expands across the rest of the past-due journey as customers pull us forward.
How we build. AI is used under strict deterministic guardrails with full audit trails. Compliance investments scale with the customers we sign. SOC 2 is in progress.
Most buyers want a 20-minute Zoom on their own bucket. Investors and counsel often want a different conversation. Pick the right path.
Flat subscription, never a percentage of recovery. Platform pricing is $2.50 per active account under management per month, with a $1,500 per month platform floor.
Contact pilots@debt-digest.com for a tailored pilot-economics analysis.