One charged-off file. Six clicks. Zero phone calls.
This is a six-screen walkthrough of how Atwater & Holmes works a single post-charge-off Visa file on behalf of one client, Maria Delgado, inside Tollbooth. Place the file, post the offer, see the matrix floor, e-sign the release, watch the funds-flow remit, and post the firm revenue share. No live data; everything below is a sandbox thread. Flat fee: $200 per accepted thread, collected on remittance.
Representation on file. Creditor direct contact suspended.
As soon as Atwater & Holmes places the file, the §805(a)(2) firewall engages and Heritage Trust Federal CU is routed out of direct consumer outreach and into the partner thread. The retainer agreement and limited POA are attached to the placement event in the audit log. Every state change from here on is timestamped and hash-chained.
- Retainer agreement: delgado-retainer-2026-04-22.pdf
- Limited POA: delgado-poa-2026-04-22.pdf
- Hardship letter + medical: delgado-hardship-2026-05-01.pdf
Matrix floor checked before the creditor reads the message.
Heritage Trust FCU's matrix floor for the post charge-off tier is loaded into the thread, visible to the firm, and enforced by the engine. Atwater & Holmes posts $6,722 (47% lump sum) and the system returns an “at or above floor” verdict in real time. Below floor, the engine would have issued an auto-counter at the floor instead of routing to a human at the credit union.
Heritage Trust FCU matrix floor · post charge-off tier
The matrix floor is the credit union's pre-configured acceptance line, set during onboarding and visible to firm partners before any offer is posted. The tier active on file TB-4821 is highlighted.
| Tier | Floor (% of balance) | On $14,302.18 |
|---|---|---|
| Lump sum · 10 business days | 47% | $6,722.02 |
| 12-month plan | 55% | $7,866.20 |
| 24-month plan | 62% | $8,867.35 |
| 36-month plan | 70% | $10,011.53 |
Below floor, the engine returns an auto-counter at the floor without routing to a human at Heritage Trust. At or above floor, the offer is eligible for instant accept and goes directly to the Recovery Manager queue.
Both sides co-sign the release without leaving Tollbooth.
The settlement agreement is generated from the accepted terms, redlined inside the workspace, and co-signed by the firm and the creditor in the same thread. Each signature is hash-chained into the append-only audit log alongside the IP, timestamp, and signer identity. No DocuSign tab-switch, no faxed wet signatures, no separate “executed” PDF lost in someone's inbox.
Consumer pays Heritage Trust. Debt Digest invoices Heritage Trust. Atwater & Holmes never touches the money.
The firewall is most visible in the funds path. Maria Delgado pays Heritage Trust FCU directly under the executed settlement. Heritage Trust remits the negotiated platform fee to Debt Digest. Debt Digest reconciles the firm's 20% revenue share onto the next quarterly partner statement. Atwater & Holmes's trust account is not in the loop. This is the FDCPA §805(a)(2) firewall in motion, not a footnote in a policy doc.
Maria L. Delgado
Pays the lump-sum settlement directly to Heritage Trust Federal CU under the executed agreement. Sent via ACH from her checking account.
Heritage Trust FCU
Receives the settlement, posts to acct ending 4108, codes deficiency as full and final, fires the “paid in settlement” tradeline notation on the next cycle.
Debt Digest
Invoices Heritage Trust for the negotiated platform fee on the closed thread. Fee posts to the platform ledger only after consumer payment clears remittance.
Atwater & Holmes
20% revenue share on the platform fee, reconciled and remitted on the next quarterly partner statement. Firm fee posts on remit, never up front, never from consumer funds.
Settlement ledger · thread TB-4821
| Event | Date | Amount |
|---|---|---|
| Original balance, charged off 02/18/2026 | 02/18/2026 | $14,302.18 |
| Settlement accepted at 47% lump | 05/04/2026 | $6,722.02 |
| Consumer payment (ACH) cleared to creditor | 05/12/2026 | $6,722.02 |
| Debt Digest platform fee, invoiced to creditor | 05/13/2026 | $840.00 |
| Atwater & Holmes revenue share (20% of platform fee) | 05/13/2026 · queued Q2 remit | $168.00 |
| Consumer relief on balance ($14,302.18 − $6,722.02) | 05/12/2026 | $7,580.16 |
Rev share is illustrative at the standard 20% partner share. Volume partners (50+ accepted threads per month) move to 25%. Pilot and limited-volume partners start at 15%. The share is set at partner kick-off and renegotiated quarterly.
Six features. One thread per file. No SaaS subscription.
Everything that closed Maria Delgado's file in 9 days is in this workspace. No per-seat license. No separate e-sign tool. No DocuSign tab-switch. No spreadsheet of statuses your paralegal keeps on the side.
Matrix floor visibility
The creditor's recovery floor for each tier (lump / 12 / 24 / 36) is loaded on placement and renders before you submit. No more guessing the line by phone.
Auto-counter below floor
Submit below floor and the engine returns an instant counter at the floor amount. Your paralegal sees it in the thread, not a week later by fax.
E-signature in the thread
Both sides co-sign the settlement agreement inside Tollbooth. Hash-chained, time-stamped, exportable. Discovery-ready and examiner-ready.
Funds-flow remit tracking
Consumer to creditor, creditor to Debt Digest, platform to firm rev share. Every state posts to the thread; nothing reconciled by email.
SLA + escalation
If the creditor misses the 5-day SLA window, the thread auto-escalates inside Tollbooth. No chasing a name on a 1-800 line.
Document workspace
Retainer, POA, hardship letter, medical, income verification. Uploaded once on the file where context lives, visible to the creditor on the offer.
The §805(a)(2) firewall is the product, not a policy bolted on.
Every behavior shown above is enforced by the platform on placement. Atwater & Holmes does not check a box for the firewall, schedule the audit log, or watch the fee-timing clock. The platform does it. Your compliance officer reads the audit export; they do not enforce the rule by hand.
FDCPA §805(a)(2) representation firewall
Once representation is on file, the platform suspends creditor direct contact and routes all communication into the partner thread. Engaged automatically on placement, logged with the representation document attached.
FDCPA §805(a)(2)
TSR fee timing
Firm revenue share posts only after the settlement is executed and consumer payment under the agreement has cleared remittance. Baked into the workflow; not a manual gate your partner is responsible for.
16 CFR §310.4(a)(5)
Reg F outreach windows
Any platform message to the consumer respects §1006.6 quiet hours and frequency caps, with state quiet-hour overlays applied where stricter (e.g., TX, MA, FL).
Reg F §1006.6
Append-only audit log
Every event in thread TB-4821 (placement, firewall engaged, offer, matrix verdict, redline, co-signature, remit, fee) is hash-chained and exportable. Discovery-ready. Examiner-ready. Yours for the asking.
SOC 2 roadmap, in flight
Let's run one of your real files through this together.
30-minute peer conversation. Bring one charged-off file (redacted is fine). We walk it through Tollbooth side-by-side, and you leave with the partner agreement to share with your counsel by end-of-day.
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