If you got a notice, start here

You’re not alone. You’re not in trouble. You have options.

Got a letter about a past-due account? If the lender on that letter works with Debt Digest, here is what it means: being behind doesn’t have to mean a stressful call, a lawsuit, or another dollar of interest. You’ll get a notice from your lender, and your options are waiting in your account.

Sign in to your portal See what the app looks like
0%
Interest
36 mo
Max plan
$0
Fees, ever
No phone calls until you ask Up to 36 months at 0% APR Penalty-free missed payments, set by your creditor Bilingual EN/ES self-service
What we do

Show you your payment options in plain language. Set up a zero-interest plan you can afford. Handle the paperwork with your creditor. Stay out of your way otherwise.

How we get paid

Your creditor pays us when we help you cure, not you. No upfront fees. You never pay us for seeing your options or setting up a plan.

How it works

Three steps. Zero interest. You stay in control.

The whole process is built around what you can afford this month, not what we can squeeze out of you.

1

Your creditor places your account with us

If your credit union or card issuer uses Debt Digest, you’ll see a notice from them, usually 45 to 115 days after your last payment. You don’t have to do anything until you’re ready.

2

See your options. Pick a plan you can afford.

No interest, ever. Pay it off in a lump sum, or spread it across 12, 24, or 36 months. You get penalty-free missed payments set by your creditor, no questions asked. The calculator shows you exactly what you’ll pay and when you’ll be done.

3

You finish on your own timeline.

Most people finish their plan on time. Your credit recovers. Your relationship with your original lender stays intact. No hidden fees, no follow-up services you didn’t ask for, no sale to external debt buyers.

See your plan

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.

$500 $3,840 $15,000
Your estimate $107 / mo
Total you pay $3,840
Interest $0 (zero, ever)
Done by May 2029

A lump sum may qualify for a settlement discount; we don’t guess the discount here. Your portal will show what your creditor approved.

Your rights, by law and by default

Every right the FDCPA gives you works here automatically.

You don’t have to know the statute. You don’t have to ask. These protections are wired into every notice we send and every plan you see.

Right to dispute

Tell us the debt is wrong and all outreach pauses for 30 days while written verification is sent to you. No contact in that window.

FDCPA §809

Right to stop contact

One click in your portal and we stop all outreach. Required legal notices arrive by letter only.

FDCPA §1692c(c)

Right to honest information

Every notice includes the original creditor, itemized amounts, and your balance history. No surprises.

Reg F §1006.34

No credit check to see options

Looking at a plan doesn’t pull your credit. Only your creditor decides what to approve.

No sale to collectors

Your account stays with the original creditor. Debt Digest is a platform tool they use; your account is never sold to a third-party debt collector through this system.

Things we won’t hide from you

Straight answers. No fine print.

“Are you going to call my work or family?”
No. We contact you through your portal, email, and (if you opt in) text. We don’t call your employer. We don’t call your relatives. The FDCPA forbids it and our software is set up to enforce it.
“Will this end up in court?”
A plan with us is your creditor’s way of resolving this without a lawsuit. If you complete the plan, no suit. If you ignore every notice for months and refuse to engage, your creditor can pursue other options, but that’s their call, not ours, and you’ll know it’s coming long before it happens.
“What if my situation changes?”
You get penalty-free missed payments each year, set by your creditor. If you need to step down to a longer plan, you can request that in your portal. We’d rather adjust the plan than break it.
Questions people actually ask

The questions you won’t say out loud.

If your account is already past due, the damage is already happening. Completing a plan here stops the damage and restores your good standing faster than waiting for traditional third-party recovery. We don’t sell your account to a buyer. Your relationship stays with your original lender.
You get penalty-free missed payments each year, set by your creditor, built in. No phone call, no fee, no penalty. Log in, mark the month you need to skip, and keep going.
Your creditor wants you to pay. They don’t want to charge off your account or hand it to external third-party recovery. If you pay even 70% of the balance in a lump sum, they do better than if they spend money on a lawsuit they might win and still not recover the funds. Everyone wins when you cure.
Debt Digest is the software your lender uses. We work through your lender, not directly with you, so we don’t offer plans on our own. If your credit union or card issuer is not using Debt Digest yet, the most direct thing you can do is call the number on the back of your card and ask whether they offer a hardship or workout program.
You can verify three things. (1) Your creditor will confirm they sent you here; call the number on the back of your card. (2) We don’t ask for money upfront. (3) Our business address, legal filings, and support line are all public at /legal.

Sign in to see your plan.

If your creditor has placed your account with Debt Digest, your plan options are waiting in your member portal. Zero interest. Up to 36 months. Penalty-free missed payments set by your creditor. You decide what’s next.

Sign in to your portal See what the app looks like
Never sold to collectors Viewing a plan won’t touch your credit Stop contact anytime