For organizations
The rails every side of a debt runs on.
Every debt has a person and a chain of companies around it: the company owed, the agency working the account, the firms on each side. Today each one keeps its own copy of the story. Debt Digest is the one record built for all of them to connect to, each from its own side, with the person at the center.
Debt Digest is the free app where people see their debt-free date and what is due this month. Debt Digest is software, never a party to the debt. People can start a debt picture before you join. A picture is not enrollment.
Why rails
Today a debt is retold at every handoff. On the rails, it is one record.
Every handoff starts over
The account moves from company to company, and each one types it into its own system. The person tells the story again at every stop.
One record everyone connects to Next
The person keeps the picture. Each company will connect from its own side and see only what its role permits. The history stays in order, with who approved each step.
Who connects
Every side of a debt. Each in its own room.
The sides never share screens. Each company sees its own accounts and only the fields its role permits. The person chooses whether to confirm a debt, and the company then sees a fixed set of fields.
You collect
The companies owed, and who works for them
At the center
The person, and their whole picture
You represent people
The companies on the person’s side
Open for pilots. Offers through Debt Digest are not open yet.
Settlement companies → Consumer-side law firms →What moves on the rails
Six things move on Debt Digest. Debt money is not one of them.
- 01The pictureEvery debt a person has, one payoff date, and what is due this month.
- 02The requestA person can write to a company about a debt from their own email. Debt Digest never sends it.
- 03The pay buttonWhen we have the company’s payment page on file, a Pay button opens it. The money goes straight there.
- 04The shared record a company connects NextOne dated record per account that the person and that company both see, after the company connects from its own records.
- 05The sign-offsYour own wording goes out only after two sign-offs, each by a named person at your company: one for the wording, one for compliance. Until then, the standard notices are used.
- 06The audit trailImportant actions stay visible as an ordered account history, with who approved them.
Rails, not a driver
Every side can trust the rails because the rails take no side.
Debt Digest is software, never a party to the debt. Each company’s conduct runs on its own rules, and the software puts the checks on screen.
The personThe company’s own payment pageDebt Digest is not in that line.
- CollectingWe never collect, never negotiate.
- MoneyDebt Digest never holds it, routes it or takes a share.
- ContactDebt Digest never decides who is contacted.
- AdviceDebt Digest never advises on an offer.
- FeesNever a percentage of any payment. Never a percentage of recovery.
How the network grows
People arrive first. Companies can join them.
- People add their debtsFree, and any company they owe, whether it is here or not.
- They come back to their planOne payoff date, and what is due this month.
- A company joins NextIt connects accounts from its own records.
- They meet on one record NextAlready organized, with the company’s brand on its own cards.
Make it comfortable.
Your choices stay on this device.
Calm stops every animation. The page then simply appears.
Reviewable by design.
Built so an examiner, your board, or your own compliance team can see what happened on an account and who approved it.
A clear platform price. No percentage of recovery.
Evaluation is free until 100 accounts or 30 days, whichever comes first. Crossing that line pauses new placements; it never charges you automatically. Paid access begins only under a separately accepted subscription order form.
- Evaluation
- Free until 100 accounts or 30 days, whichever comes first.
- Crossing that line
- Pauses new placements. It never charges you automatically.
- Payment direction
- Consumer to creditor. A consumer's debt payment never reaches Debt Digest.
Make the next handoff easier to understand.
Bring a redacted account sample and the people who own the workflow. We will show how the shared record, role views, and review points fit your operation.