Free to start. You are not charged.

See your debt-free date, and what is due this month.

Add the bills you owe. Debt Digest puts them in one plan and shows one next step at a time. Adding a bill does not contact a lender, collector, law firm, or settlement company.

Add a bill See how it works
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Your picture and payoff at your own minimums, free forever
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One date for all your debts, at your own minimums
Direct
You pay each company on its own site
Name the company on the account, even if they are not on Debt Digest yet See your picture now. Nothing identifies you to a company that has not joined Bilingual EN/ES self-service
What we do

Name the company on the account, even if they are not here yet. See your picture now. If you already have a letter, the shared account record shows the owner, the balance, and any options they actually offered.

How we get paid

Your payment goes to the company on the account, 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.

How it works

Name the company. See your picture.

You do not wait for a letter to start. Name the company on the account. Before it joins Debt Digest, nothing that identifies you goes to it.

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Build your debt picture

Name the companies you already know, even if that company is not here yet. You are not charged.

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This is a picture, not enrollment

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Use the shared account record when it is there

If you already have a secure link from the company on the account, sign in. When the company on the account is on Debt Digest, the shared account record shows the owner, the balance, and any options they actually offered.

Illustrative math

Drag the slider. Pick a term. See an example split of a balance.

No login required. No credit check. This is example math, not an offer. Real options appear only after the company on the account joins Debt Digest and actually offers them.

$500 $3,840 $15,000
Example split $107 / mo
Example total $3,840
Interest in this example $0 in this example
Example end date Move the slider

This calculator does not guess a settlement discount. It does not contact anyone. A live option appears only if the company on the account is on Debt Digest and actually offered it.

Your record, controls, and applicable rights

These protections apply when collection activity happens, not to your picture alone.

Federal and state collection laws can depend on the participant’s legal role, the account, and your jurisdiction. Your picture does not create a collection account. When the company on the account is on Debt Digest, Debt Digest records requests and blocks configured workflows, and the account details show 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 §809

Right to stop contact

Ask that contact stop by writing to the collector or company contacting you. If your account is open in the portal, you can also request it under Contact Preferences, which records the request, suppresses Debt Digest outbound email and text messages for every account you hold, and notifies the company of record. 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 company the debt is owed to, itemized amount, and response date required by Regulation F. The portal keeps the notice with the account record.

Reg F §1006.34

No 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 company, be serviced by another organization, or be transferred. The account details show the current owner and each authorized participant so you do not have to infer their roles.

Things we won’t hide from you

Straight answers. No fine print.

“Are you going to call my work or family?”
Debt Digest does not provide employer- or relative-calling workflows. If an account is later on Debt Digest, the portal records your channel preferences and stop-contact requests and routes them to authorized participants. Each participant remains responsible for complying with the laws that apply to its role and conduct.
“Will this end up in court?”
Debt Digest does not decide whether an account enters legal proceedings. Your picture does not start a case. When an account is on Debt Digest, the timeline shows notices and status changes received by the platform. A completed settlement or plan is governed by its written terms; review them carefully and consult a lawyer if you need advice about legal risk.
“What if my situation changes?”
Your picture stays with you. If the company on the account later joins Debt Digest, open the account to see whether its authorized decision-maker offers a payment pause, hardship review, or modified terms. These options are not universal. When available, the portal records your request and keeps its status in the shared timeline.
Questions people actually ask

The questions you won’t say out loud.

Will this hurt my credit?

Building your debt picture and viewing example math does not itself initiate a credit inquiry. Opening a connected portal and viewing options also does not. Credit reporting and score effects depend on the account, the data furnisher, the reporting agencies, and the action you choose. Review the exact terms before accepting an option.

What if I can’t make a payment one month?

If the company on the account is on Debt Digest, open the account to see whether its owner or authorized decision-maker offers a pause, hardship review, or modified plan. Those options are account-specific; the portal records your request and shows its status. Your picture by itself does not create a plan.

How does Debt Digest get paid?

Your payment goes to the company on the account, 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.

What if my account is not on Debt Digest yet?

If your account is not connected yet, start by adding a debt at /add. Name the company. Before a company joins Debt Digest, nothing that identifies you goes to it, only a count of how many people are waiting. If you confirm a debt and that company joins, it sees your initials, the last four digits of the account number, your own balance estimate, how many days behind you think you are if you gave it, the date you named it, and any payoff preference or resolved mark you add. Until that company connects your account from its own records, Debt Digest does not give it your name or contact details. After it connects, it also sees the name and email you gave Debt Digest. The picture does not contact a lender, collector, law firm, or settlement company.

How do I know this isn’t a scam?

Verify the sender using contact information from an official statement or the organization’s own website, not only the message you received. After signing in, the account details show the account owner and authorized participants. Debt Digest’s legal and support information is public at /legal.

Start by naming the company, even if no one has connected you yet.

You’re not alone, and you do not need a login to start. If you already have a secure link from the company on the account, you can sign in instead.

Add a bill Sign in to your picture

No one has connected your account yet? You can start a debt picture yourself, including for a company that is not on Debt Digest yet. That is a picture, not enrollment. Add a bill

Know who owns and handles it Building a picture won’t touch your credit Record a stop-contact request