Settle creditor accounts in one workspace. Offer, counter, accept.
Debt Digest gives your firm one place to work the accounts your creditor clients place with you: offer, counter, and accept on a single audited thread per account. Each creditor's settlement rules are built in, so your team works inside the lines without chasing approvals by phone and fax. Flat per-seat subscription. Never outcome-based.
Illustrative product preview. Real matters populate from your caseload after onboarding.
Built for firms that work for creditors
Settling an account shouldn't take three calendar weeks.
Most firms that work accounts for creditors run the same loop: voicemail, fax, email, repeat, across hundreds of accounts at once. The bottleneck is not your team; it is the back-and-forth. Debt Digest replaces the round trip with one workspace where each creditor's settlement rules are already loaded.
Today, on the phone-fax-email loop
- 3 to 4 weeks of back-and-forth per account before a number is even named.
- You guess at what each creditor will accept on every call.
- The offer lives in a voicemail, the approval in an inbox, the record in a spreadsheet.
- Your staff spends real hours just chasing status updates.
- Nothing is in one place when a creditor client asks for a report.
On Debt Digest, in one workspace
- One workspace per account. Offers, counters, acceptances, notes, and notices all on one audited thread.
- The creditor's settlement floor shows before you submit; no more guessing the line.
- FDCPA and Reg F rules for the account are built into how the workspace behaves.
- An append-only audit log means every step is on the record.
- One export gives your creditor client the full account history on demand.
A flat per-seat subscription. Never outcome-based.
Your firm pays one predictable monthly price per user. We never take a cut of a settlement, so our pricing never competes with your creditor client's recovery or your own fee arrangement. Set the seat count at kickoff; change it as your team changes.
The rules are built into how the workspace behaves.
The workspace keeps the creditor, owner, collector, firm, representative, sender, and account authority explicit. It applies the counsel-approved outreach, frequency, notice, and hold controls for that participant and account, with a complete record of every step.
Covered workflows apply configured local-time and channel controls plus telephone-frequency guardrails keyed to §1006.14(b)(2).
Reg F §§1006.6, 1006.14Each creditor's settlement floor is loaded for the account, so offers below the line route to the right reviewer instead of slipping through.
Per-creditor settingsRequired notices to the customer are clear and complete, with the original creditor and itemized amounts shown. No surprises.
Reg F §1006.34Every offer, counter, acceptance, and notice event is hash-chained and exportable. Discovery-ready. Examiner-ready. Yours for the asking.
SOC 2 roadmap, in flightReg F §1006.6 Outreach windows
Reg F §1006.34 Plain-language notices
Audit log Every step on the record
For your legal team See how the compliance works →
Everything you need to close a settlement. Nothing you do not.
No phone-fax-email loop. No separate compliance tracker. No spreadsheet of statuses. One thread per file, one timeline of record, one place your paralegals work.
Before you submit, the workspace shows the creditor's settlement floor for the term you selected (lump / 12 / 24 / 36). No more guessing the line by phone.
Propose a settlement, take the counter, and accept, all on the same account thread. Every round is timestamped on the audit log as it happens, and below-floor offers route to the creditor for review instead of slipping through.
Every outbound message is checked against representation and cease-communication marks before it leaves. Blocked sends are logged with the reason, so your compliance lead can see what the firewall stopped and why.
One click prints the matter file: contact history, every negotiation round, and notice records with content hashes. The same artifact answers a creditor client, an examiner, or a court.
Your whole book in one view: resolution rate, liquidation by placement month, and median days to resolve. The same numbers your creditor client asks for at review time.
Every account a creditor client places with your firm lands in one queue with the balance, status, and placement details attached. Search, filter, and open the matter in one click.
What a settled account actually looks like in the workspace.
Each row is one timestamped event on a single account. The audit log is the timeline. Discovery, examiner inquiry, a creditor client report: same export.
The customer pays toward the creditor. We only ever bill your firm a flat seat fee.
Settlement funds move the way your firm and your creditor client already agree. Debt Digest is not in the settlement-funds path. Our only invoice is the flat per-seat platform fee, billed to your firm, never a cut of any recovery.
Customer
Pays toward the balance under the executed settlement agreement.
Creditor
Receives settlement funds; the firm reconciles and reports on the account.Funds path you already use
Debt Digest → Firm
Debt Digest bills your firm the flat per-seat platform fee. Never outcome-based, never a percentage of any settlement.
Pick one of three. Most firms only ever weighed the first two.
There is no honest reason to build the workspace yourself, and the phone-fax-email loop is a tax your staff pays every day. A flat per-seat platform is the third door, and the only one that does not grow your cost as you settle more.
Status quo
Round trip per account. No floor visibility, no shared audit log, no single record for your creditor client.
Debt Digest
One flat monthly price per user. Settlement floors, the resolution thread, the matter file, and the audit log included. Never outcome-based.
Build in-house
Two engineers, one compliance counsel, an integration with every creditor that matters, and 18 months you do not have.
From first call to first settled account in two weeks.
No procurement cycle. No long rollout. The whole onboarding is a short agreement, a staff walkthrough, and a real account worked end to end.
30-minute conversation. Walk a real account through the workspace together. No deck, no NDA gating.
A short platform agreement. Seat count set, per-seat price confirmed. Your counsel redlines; we sign.
60-minute live session with the people who work your accounts. We hand the workspace over. They open the first account the same day.
Illustrative median time to a first settled account. From there your team works inside one workspace, on one flat price.
The plain-language FAQ.
If your question is not here, it is the kind of thing we answer best on a call. Ask it directly.
Let's talk for 30 minutes.
No deck. Bring a real account (redacted is fine), we'll walk it through the workspace together, and you'll have the platform agreement to share with your counsel by end-of-day.
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