Live demo · No signup · Resets nightly

See it work. No signup. Live data.

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 added interest and no pressure. Nothing to install, nothing to sign up for.

See it live Talk to us

Live in production You stay the party of record SOC 2 in progress

Cascade Mountain Federal CU · Overview Illustrative

Accounts

143

30 to 115 DPD

Outstanding

$1.84M

Unsecured + auto

Cure rate

26.4%

+16.2 pts vs 10.2% baseline

Avg DPD

Pre-charge-off window

Current · 23 31 to 60 · 29 61 to 90 · 22 90+ · 35 Charged off · 34

Illustrative sandbox data. Real metrics populate from the creditor's portfolio after onboarding.

The product

Intercept is live today. The product expands as customers pull us forward.

Credit unions today. Broader creditor industry over time. Everything below ships in production now; you can click it.

Live in production

Intercept

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 lender stays in control of every message and remains the party of record. Live in production today, with first customers among credit unions.

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.

Explore by role

Pick your lens. The rest of the page reads top to bottom.

Five anchored entry points. The scroll is one ordered story; the pills just jump you to where you want to start.

Inside the platform

A guided look at the four live flows

Tap a tab. Each pane shows the live UI plus a numbered "what to look for" list. All four flows are shipping today.

debt-digest.com/creditor

Total accounts

143

Cascade Mountain Federal CU

Outstanding

$1.84M

30 to 115 DPD

Cure rate

26.4%

+16.2 pts vs 10.2% baseline

Avg DPD

41 days

Pre-charge-off window

Portfolio aging distribution: 143 accounts

Current (0 to 30) · 23 31 to 60 DPD · 29 61 to 90 DPD · 22 90+ DPD · 35 Charged off · 34

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

Live in production What to look for

How a creditor's portfolio team uses the Intercept dashboard.

Scan the 4-KPI strip. Cure-rate lift vs. baseline is the headline metric.
Read the aging bar left to right. The 31 to 90 DPD bucket is where Intercept earns its fee.
Drill into one account row. Note the per-account outreach recommendation: channel, tone, time of day.
Open the settlement workflow tab next. That's where offers actually go out.

Behind this dashboard: 11 production API endpoints. Per-account outreach intelligence is rules-driven and deterministic; language models overlay voice and framing only.

Open the creditor sandbox

Illustrative sample data · consumers and balances are fictional.

debt-digest.com/consumer

Hi, Maria. Here's your plan.

Debt-free

Jul 18, 2027

14 payments remaining · $312 / month

$6,864 paid · $4,368 to go

Pauses left

2 of 2

Plan

36-mo

Will this hit my credit score?

Your account stays current as long as you make plan payments on time. Cascade Mountain Federal CU does not re-age delinquencies once you are enrolled.

Live in production What to look for

How a consumer experiences the payoff portal.

The first thing they see is a date, not a balance. Debt becomes finite.
Two penalty-free pauses per year, visible at all times: a safety net.
Plain-language honesty cards answer the fear questions head-on.
EN / ES toggle persists across sessions. Mobile web; no app store.

Same surface for every creditor type. The page reads "credit union" or "lender" based on the creditor placement record, never hardcoded.

Open the consumer walkthrough

Illustrative sample data · payoff date is a sample, not a forecast.

debt-digest.com/tollbooth/T-1428

Thread T-1428 · Visa Platinum · $4,200.00 balance Atwater & Holmes PLLC ↔ Cascade Mountain Federal CU

Mar 18, 2026 09:14 CT AH Atwater & Holmes posted offer for Sophie Chen: $2,520.00 on $4,200.00 (60%), lump sum. Below floor

Mar 18, 2026 09:14 CT CM Cascade Mountain Federal CU matrix floor (60 to 90 DPD, unsecured): 50% / $2,100.00. Auto-counter posted. Counter sent

Mar 18, 2026 09:17 CT AH Counter accepted at $2,100.00. Single payment by Mar 25. Accepted

Mar 18, 2026 09:18 CT DD Release letter generated · e-signed in-thread by L. Fields (Cascade Mountain Federal CU). Signed

Mar 19, 2026 14:02 CT AH Remittance posted: $2,100.00 via ACH ref TB-1428-R1. Tollbooth fee $200 invoiced. Funded

Live in production What to look for

How a settlement firm and creditor close a deal in one thread.

One shared thread: no phone tag, no faxes, no "where is the release."
The creditor's matrix floor is visible the moment an offer hits the wire.
E-sign happens inside the thread; the release letter is generated on accept.
Remittance posts to the same thread: full audit on one URL.

Today: live v1 thread interface for firm-creditor pairs. Audit and remittance live on the same URL.

Open the firm walkthrough

Illustrative sample data · thread T-1428 and actors are fictional.

debt-digest.com/creditor/compliance

Compliance controls · Cascade Mountain Federal CU

SOL status by account

Jorge Martinez TX Exp Aug 2027 Safe

Sophie Chen OH Exp Dec 2026 Monitor

Renee Johnson GA Exp Mar 2025 SOL expired

Audit trail

FDCPA §1692e(11) Mini-Miranda + §1692g validation notice mailed to Jorge Martinez

system · Mar 18, 2026 09:02 CT

Dispute received from Sophie Chen · 30-day collection pause auto-applied per FDCPA §1692g(b); Reg F §1006.6 outreach windows enforced

consumer portal · Mar 18, 2026 11:47 CT

Account 8841-A flagged as charged-off in error · reversed per this credit union's NCUA 12 CFR 741.3 120-DPD threshold

l.fields@cascademtncu.org · Mar 17, 2026 16:18 CT

Bulk import · 47 accounts placed (§1692g validation batch sent same day)

m.alvarez@cascademtncu.org · Mar 16, 2026 08:31 CT

FDCPA §1692e(11) Reg F §1006.6 gated NCUA 12 CFR 741.3 (credit unions) FFIEC URCC (banks) SOC 2 in progress

Live in production What to look for

How compliance officers verify the platform.

Every account carries a per-state statute-of-limitations flag.
FDCPA §1692g validation notices are generated on placement, not as a checkbox.
Disputes auto-pause collection for 30 days. The audit trail records the pause.
Every action is timestamped and actor-attributed. Export to CSV at any time.

Statute chip row below maps every action to its governing rule. The audit trail is append-only and CSV-exportable on demand.

See the trust center

Illustrative sample data · entries above are seeded for the sandbox.

Want to walk through this on your real bucket?

Request a pilot

Canonical pricing

Pilot at $0 per account. Standard at $3. Success fee only on cures above your baseline.

Posted because we want it posted. No "contact us" pricing. The CFO sees the numbers in the deck and the contract before the kickoff call.

90-day pilot

$0 / account / month

+ 10% on incremental cures above baseline

Baseline locked to your 12-month history at signing.
Day-90 review: beat your baseline or walk away with zero penalty.
Non-exclusive; runs alongside any existing agency or in-house team.

Standard, post-pilot

$3 / account / month

+ 8% on cure payments and 10% of settlement discount

Dual revenue: cure fee plus settlement-discount fee.
Quarterly success-fee invoicing.
Payment flow: consumer pays you, you pay us.

Tollbooth (settlement firms)

$200 / accepted thread

Per closed firm-side settlement

Firm posts the offer; the creditor's matrix floor enforces auto-counter.
E-sign and remittance audit on one URL.
Per-thread settlement with audit on a single URL.

All figures fixed in the pilot agreement template. Cure definition: account returns to 0 DPD and remains current 60+ days.

Compliance posture

Built so the lender stays the only voice the customer hears.

Debt Digest is the software the lender uses; the lender remains the party of record. The payment flow never crosses Debt Digest's books. The detail below is for your compliance and legal teams.

Consumer / Member

Pays full or settled amount

Creditor

Party of record

Debt Digest

Success fee, quarterly

The customer pays the creditor. The creditor pays Debt Digest. Debt Digest never receives customer payments directly. This is what keeps Debt Digest the software provider and the creditor the party of record.

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 Reg F §1006.2(e) Technology Service Provider

Customer Status Compliance posture

Credit unions Today Debt Digest is the technology service provider; the credit union stays the party of record.

Broader creditor industry As customers pull us forward Compliance certifications scale with customer requirements. SOC 2 in progress.

Debt Digest is the software the lender uses; the lender remains the party of record. Any future change of regulatory posture would be a discrete, counsel-supervised event, named in advance.

Read the full compliance framework

Self-serve · One click · No signup

Launch a live demo: one click, no password.

Jump straight into a real, sandboxed portal preloaded with fictional data. Nothing to type. Each demo tenant is isolated from production and resets on a schedule.

Launch creditor demo Launch borrower demo Launch collections-firm demo

Prefer to sign in manually? Use the shared sandbox credentials →

Creditor (staff) portal

Cascade Mountain Federal CU sandbox: 143 accounts, $1.84M outstanding, three dashboard tabs.

Password

Open creditor portal

Consumer (member) portal

Maria Delgado's payoff portal: Visa Platinum and auto loan, 36-month plan in progress.

Password

Open consumer portal

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 on a schedule. 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.

Scope, honestly

What's shipping today.

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.

Live in production Shipping today

Creditor dashboard: portfolio, accounts, settlement workflow, audit trail, per-account outreach intelligence (rules-driven).
Consumer payoff portal: iOS web, EN / ES, plan management, plan visualizer.
Tollbooth thread v1: offer, counter, e-sign in-thread, remittance audit, $200 per accepted thread.
FDCPA §1692g validation notice generation: single and bulk-upload variants.
30-day dispute pause auto-enforced on the creditor side.
Bulk account upload: JSON, 1K accounts per batch, §1692g notice batch on placement.
JWT-based auth, role-based access, per-IP rate limiting, full security-header suite (HSTS, CSP, X-Frame-Options).
Audit trail: append-only, timestamped, actor-attributed, CSV-exportable.
Service-provider posture: the lender stays the party of record.
PCI-compliant payment processing and transactional email / SMS delivery via SOC 2 Type II sub-processors.

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.

Next step

Two ways forward.

Most buyers want a 20-minute Zoom on their own bucket. Investors and counsel often want a different conversation. Pick the right path.

Request a pilot Schedule a 20-min walkthrough

What you get in 20 minutes

Live click-through on your bucket profile, your numbers
Cure-lift model with your baseline
Pilot economics: $0 per account plus 10% on incremental cures
90-day rollout plan and legal-team Q&A
How the service-provider posture works for your team
Live Intercept walk-through for institutional readers

Demo scenario

Model Your Portfolio ROI

Pre-filled with a sample $14.25M portfolio at 11.3% baseline. Replace with your numbers to model your own scenario.

Portfolio Face Value

Current Recovery Rate (%)

Contact pilots@debt-digest.com for a tailored analysis.