You’re not alone. You’re not in trouble. You have options.
See what you owe, who you owe it to, and what you can actually do about it. No pressure.
Show you the shared account record in plain language: the owner, authorized participants, balance, notices, documents, activity, and any available options. Where enabled, you can act directly or authorize a representative from the same record.
Your payment goes to the company you owe, never to Debt Digest. The businesses on the platform pay us a flat monthly software fee. We never take a percentage of what you pay. If a consumer-paid subscription is ever offered, its fixed price and terms will be disclosed separately before purchase.
Three steps. One shared record. You stay in control.
The portal separates verified account facts, participant roles, and available decisions so you can understand the record before acting.
An authorized participant connects the account
The owner, servicer, agency, firm, or another authorized organization connects the receivable and invites you securely. The Receivable Passport shows who owns the account and why each participant is involved.
Review the record and available options
Check the balance, itemization, notices, documents, and activity. If the authorized decision-maker offers a payoff, settlement, installment plan, hardship review, or another path, the exact terms appear on that account.
Act directly or with authorized help
Where enabled, you can accept or propose terms yourself, send a dispute or contact request, or authorize an independent firm to represent you. The same timeline shows what was submitted, who received it, and what happens next.
Drag the slider. Pick a term. See what you’d actually pay.
No login required. No credit check. This is illustrative; your real options live inside your portal.
A lump sum may qualify for a settlement discount; we don’t guess the discount here. Your portal will show what your creditor approved.
See the protections and controls that apply to this account.
Federal and state collection laws can depend on the participant’s legal role, the account, and your jurisdiction. Debt Digest records requests and blocks configured workflows, while the Receivable Passport shows which organizations are involved. This page is general information, not legal advice.
Right to dispute
Submit a dispute in the portal and Debt Digest records it and pauses platform collection workflows while it is reviewed. For a covered debt collector, a timely written dispute also requires collection to stop until verification is mailed.
FDCPA §809Right to stop contact
Submit a stop-contact request and the platform records and routes it to the identified participants. For covered debt collectors, federal law limits further communications subject to specific exceptions; scope can differ for other participants and under state law.
FDCPA §1692c(c)Right to honest information
For covered collection activity, the validation notice identifies the current creditor, itemized amount, and response date required by Regulation F. The portal keeps the notice with the account record.
Reg F §1006.34No credit check to see options
Opening the portal and viewing available options does not itself initiate a credit inquiry. If an action would require a separate authorization or credit check, it must be disclosed before you take it.
Ownership and authority stay visible
An account may remain with its original creditor, be serviced by another organization, or be transferred. The Receivable Passport identifies the current owner and each authorized participant so you do not have to infer their roles.
Straight answers. No fine print.
The questions you won’t say out loud.
Sign in to see your account record.
If the account owner or an authorized participant connected your account to Debt Digest, sign in to review the shared record, confirm who is involved, and see the options available for that account.
No one has connected your account yet? You can set it up yourself and list the debts you owe, including ones whose lender is not on Debt Digest yet. Set up my account