The infrastructure layer for delinquency operations, before and after charge-off.
Debt Digest is the shared receivables workflow platform banks embed between their core and recovery operations. White-label, FFIEC-aligned, with participant identity and audit-log integrity by default. Your team owns strategy and approves each activated workflow; the platform enforces the configured controls. Subscription only: no contingency or percentage of recovery.
See how the compliance works · built so your bank stays the only voice your customer hears.
Regional and money-center banks. Institutional-grade by default.
Two recovery surfaces · one platform layer · ownership and authority explicit throughout
Pre-charge-off intervention
Reach customers in the 45 to 115 DPD window
Run programmatic, compliant outreach before an account hits your FFIEC URCC charge-off timeline, on the cadence your portfolio runs on. Your team approves every notice; the platform handles the required disclosures and timing. How the timing works.
Settlement infrastructure
The workflow, not the counterparty
When a customer or their representative wants to settle, it happens in one place: offers, counters, e-sign, and payment confirmation, all on screen. Every offer is checked against the floor you configure, so nothing clears below your number.
Multi-party operations
Agencies, firms, and in-house in one workspace
When a customer retains a settlement firm or you place with an agency, your team works the account through one settlement workspace. The counterparty submits an offer; your configured floor auto-approves or routes it for review. E-sign and remittance in the same thread.
Live today, and growing as banks pull us forward.
Your operations team controls every outreach.
The platform never contacts your customers on its own. It prepares each notice for your team, in your name, with the required disclosures and timing built in. Your team presses send; the append-only audit log proves who and when. Flat per-account subscription: no contingency, no percentage of recovery.
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1
Import your accounts
Export from Symitar, CU*BASE, FIS, Jack Henry, or your core. We auto-generate the FDCPA §809(a) validation notice, build a per-account profile, and mark each account as Not Yet Contacted.
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2
Review who hasn't been contacted
Filter to the Not Yet Contacted queue. See the prepared notice, the channel recommendation, and the TCPA quiet-hours window before anything goes out. Operator-overridable, fully auditable.
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3
Click to send: you're in control
One button. Notices go out under your bank's name, your reply-to, your brand. The append-only audit log captures which user clicked, when, and which account moved from pending to sent: examiner-ready by default.
Creditor-initiated
How the three paths actually compare.
Most creditors pick one of three delinquency strategies. Here's what each costs, and what you give up.
| Attribute | Traditional agency | In-house collections | Debt Digest |
|---|---|---|---|
| Pre-charge-off intervention | No | Partial | Yes, 45–115 DPD |
| Typical cure / recovery rate | 10–18% | 15–20% | 25 to 35% cure target |
| Customer relationship and participant control | Often broken | Varies by agent | Preserved; roles and authority are recorded |
Your legal team wrote our spec, not the reverse.
FDCPA, Reg F, FFIEC URCC, TCPA, OCC guidance, and state collection rules are how the platform behaves by default, not what a compliance officer enforces after the fact.
FDCPA §1692eFDCPA §809(a) Validation notice
FDCPA §809(b) Dispute pause
Reg F §1006.6 Outreach windows
Reg F §1006.34 Itemization
FFIEC URCC 180/120-DPD charge-off rule (banks)
OCC Bulletin 2020-10 third-party risk
TCPA 47 U.S.C. §227 Quiet hours
Infrastructure you embed, not an agency you outsource to.
Banks already run their stack on embedded infrastructure layers. You own the strategy and the customer; the layer handles the hard, regulated plumbing. Debt Digest is that layer for delinquency operations.
See Debt Digest in action.
The three surfaces your delinquency operations team will actually use during the pilot.
| Customer | Balance | DPD | Status | Outreach |
|---|---|---|---|---|
| J. Martinez | $4,200 | 67 | Delinquent | Plan accepted |
| S. Chen | $12,900 | 104 | 91–115 | Pending |
| M. Williams | $8,400 | 51 | Delinquent | Plan viewed |
| A. Patel | $2,650 | 0 | Cured | 60-day current |
| Customer | Balance | Offer | Discount | Status | Days left |
|---|---|---|---|---|---|
| James T. | $4,200 | $2,940 | 30% | Pending | 14 days |
| Sarah M. | $8,900 | $5,340 | 40% | Accepted | n/a |
| David K. | $15,400 | $9,240 | 40% | Declined | n/a |
| Ana P. | $2,800 | $1,960 | 30% | Accepted | n/a |
Ready to see your portfolio here?
Request a pilotSix surfaces. One workspace. Built for the regulator over your shoulder.
Live integration in 14 days. Walk away in 90 if we miss your baseline.
Non-exclusive. Champion-challenger structure. No upfront platform fee. All accounts and data returned to you on exit, with no lock-in.
Binding pilot agreement. Covers your baseline, pricing, and the 90-day exit clause. Your counsel reviews in one session.
One CSV from FIS, Jack Henry, Fiserv, or your core. We create customer records, generate FDCPA §809(a) notices, and seed outreach profiles per account.
Customers self-resolve in the portal. Weekly status reports. Recovery rate vs your baseline updates live in your dashboard.
The evaluation is free until you place 100 accounts or 30 days pass, whichever comes first, and does not convert automatically. Continued paid access begins only after a separately accepted subscription order form. Standard pricing is $2.50 per active account per month with a $1,500 monthly floor; there is no per-resolution, outcome, contingency, or percentage-of-recovery fee.
At what recovery rate does Debt Digest pay for itself? Almost any.
Four numbers from your last 12 months. See how the platform subscription compares against the incremental recovery your team (or a 25–40% contingency agency) would have left on the table anyway.
Industry default baseline is 10–12%. We report your recovery lift against your own baseline; it is an ROI-reporting benchmark, never a fee trigger. Cure definition: 0 DPD + 60 days current.
Illustrative. The evaluation is $0 until 100 accounts or 30 days, whichever comes first, and does not convert automatically. A separately accepted standard order form is $2.50 per active account per month with a $1,500 monthly floor. No per-resolution or percentage-of-recovery fee.
Flat per-account subscription that scales with your portfolio, not your recovery.
No per-seat fees. No setup charges. No percentage of recovery. Flat per-account subscription billed monthly.
- Guided onboarding on your brand
- Recovery lift reported against your own baseline
- CSV placement, FDCPA notices, customer portal
- Real-time dashboard + audit export
- Founder-led weekly review
- Everything in Pilot
- Outreach intelligence + operator override
- Post-charge-off recovery available
- Online settlements with outside firms
- API access + webhooks
- Everything in Standard
- White-label customer-facing portal
- FIS / SS&C / Jack Henry core integration
- Dedicated compliance + success operator
- State expansion handled by DD
Cure definition: account returns to 0 DPD and remains current 60+ days. This is how your recovery ROI is reported, not a billing trigger. Your baseline (your own 12-month history or a 10% industry default) is a reporting benchmark, never a fee basis. Payment flow: customer pays you directly. You pay Debt Digest a flat monthly subscription. No percentage of recovery. Detailed terms on /pricing.
Plain answers to the four questions every procurement deck includes.
No spin. If a question doesn't have a clean answer yet, we say so.
Built by someone who has lived the delinquency lifecycle from the consumer side.
Debt Digest's founder works at a debt-settlement law firm representing people being sued for credit-card debt. Every day, hundreds of clients walk in scared, confused, and convinced they are the only one who is behind. Almost all of them want to pay. They just do not know how, and every collections call they have had made it worse.
The usual model is built around post-charge-off agencies who get paid to pressure. Debt Digest moves the moment of help earlier, takes the pressure out of it, and gives customers a path they can actually take, while your bank stays the only voice they hear.
This is not a collections company trying to sound nice. It is the product we wish existed for every client we have represented.
See the integration plan and savings estimate in 30 minutes.
Send us the size of your 45 to 115 DPD population. We'll model your recovery lift, pilot economics, integration scope, and 90-day rollout plan at no cost, no obligation.
Your data. Your settlement floor. Your customer relationship.
We are the infrastructure layer. Your account ownership, operating authority, brand, sender identity, settlement decisions, and payment destination remain explicit in the shared record.