A simpler way for firms to settle accounts for the creditors they represent.
Debt Digest gives your firm one place to negotiate, e-sign, and remit on the accounts your creditor clients send you through the Tollbooth workspace. 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 pricing. No success fee.
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.
- E-sign sits in one tool, payment confirmation in another, the record in a third.
- 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, documents, e-sign, and remittance all in scope.
- 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 price per seat. No success fee, ever.
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.
Your firm stays the party of record on every account. The platform helps your team stay inside the lines by default: outreach windows, frequency limits, plain-language notices, and a complete record of every step. It is how the workspace behaves, not something your compliance officer has to enforce after the fact.
Contact with a customer respects quiet hours and frequency limits by default, with stricter state rules applied automatically.
Reg F §1006.6Each 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, e-sign, and remit 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 standalone e-sign tool. No separate payment portal. 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.
Submit below the floor and the platform returns an instant counter at the floor amount. Your team sees it on screen, not a week later by fax.
Sign the settlement agreement inside the platform. Hashed, time-stamped, audit-logged. The customer notice goes out automatically.
Track each payment and remittance in one place, with a clean trail your creditor client can see at any time.
When an account stalls, it surfaces inside the platform instead of going quiet. No more chasing a name on a 1-800 line.
Hardship letters, income verification, and balance history are uploaded in context on the account. Everything sits next to the offer, not in a separate attachment chain.
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. No success fee, no percentage of any settlement, ever.
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, e-sign, remittance tracking, and the audit log included. No success fee.
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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