Start even if your lender is not here yet

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

Enroll now. See your picture now. We will tell you when a matching creditor is on the rails. You are not charged. No pressure.

Build my debt picture Sign in to your portal See what the app looks like
1
Shared record
100%
Visible roles
Fixed
Subscription pricing
Name the company on the account, even if they are not on the rails yet Analysis is ready now. Nothing is sent We tell you when a matching creditor is on the rails Bilingual EN/ES self-service
What we do

Start with the debts you know, even if your lender is not here yet. See your picture now. We will tell you when a matching creditor is on the rails. 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

Enroll now. See your picture. Wait honestly.

You do not wait for a letter to start. Name the company on the account. Analysis is ready now. Nothing is sent from the picture.

1

Build your debt picture

Name the counterparties you already know and save your own estimate, even if that lender is not here yet. You are not charged.

2

Your analysis is ready

We will tell you when a matching creditor is on the rails. The picture does not contact a lender, collector, law firm, or settlement company.

3

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 a matching creditor is on the rails, 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 a matching creditor is on the rails 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 May 2029

This calculator does not guess a settlement discount. It does not contact anyone. A live option appears only if a matching creditor is on the rails 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 a matching creditor is on the rails, Debt Digest records requests and blocks configured workflows, and 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 §809

Right to stop contact

Ask that contact stop by writing to the collector or creditor 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 creditor 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 current creditor, 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 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.

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 the rails, 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 the rails, 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 a matching creditor is later on the rails, 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 a matching creditor is on the rails, 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 with Debt Digest’s consumer debt picture at /interested. Save your own estimate. Your analysis is ready now. We will tell you when a matching creditor is on the rails. 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 Receivable Passport identifies the account owner and authorized participants. Debt Digest’s legal and support information is public at /legal.

Start with your debts, even if no one has connected you yet.

Build your picture now. We will tell you when a matching creditor is on the rails. If you already have a secure link from the company on the account, you can sign in instead.

Build my debt picture Sign in to your portal

No one has connected your account yet? You can set it up yourself and list the debts you name, including ones whose lender is not on Debt Digest yet. Build my debt picture

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