Help Center

The Receivable Passport is the shared account record. It identifies the current owner and each authorized participant, shows the balance and account status supplied to the platform, and keeps notices, documents, options, and activity connected in one place.

Options are account-specific and must be authorized by the account owner or another participant with decision authority. The portal shows the offered amount, schedule, payee, and available disclosures before you act. Debt Digest does not promise that every account has a plan, discount, interest freeze, fee waiver, or settlement.

The result depends on the terms authorized for your account. The shared timeline records payment status and any next step supplied by the owner or servicer. If hardship tools are enabled, you can submit a request for review; a pause or modified plan is not automatic unless the account terms say so.

Check the option and payment instructions shown for that account. Some authorized plans accept additional payments; others may have different processing or payoff rules. The portal should identify the payee and show any applicable terms before you submit a payment.

The authorized outcome is recorded in the shared timeline and the account status is updated for participants who can access that record. Any receipt, settlement letter, satisfaction document, or credit-reporting effect depends on the actual outcome, account owner, reporting party, and applicable law.

The Fair Debt Collection Practices Act (15 U.S.C. §1692) sets federal rules for covered consumer debt collectors. It does not apply identically to every account owner, servicer, agency, debt buyer, law firm, or other participant, and state law may provide additional protections. For covered activity, rights can include receiving validation information, timely disputing a debt and requesting verification, limiting certain communications, and being free from harassment or deception. Your Receivable Passport identifies the organizations involved so you can understand whose role and conduct are at issue.

Yes. Log in to your portal and select "File a Dispute" on the account. Debt Digest records the dispute and places platform collection workflows on hold until verification is sent or another authorized, audited resolution is recorded. The hold does not expire merely because 30 days pass. For a covered debt collector, a timely written dispute during the validation period also requires collection to stop until verification is mailed.

Log in to your portal and go to Communication Preferences. You can change channel preferences or record a stop-contact request, which the platform routes to the identified participants and applies to configured workflows. For covered debt collectors, FDCPA §1692c(c) limits further communications subject to specific exceptions; duties can differ for other participants and under state law.

The available payment method and payee are shown for each account. In currently enabled direct-card workflows, a PCI-compliant payment processor handles card details and the account payment goes to the identified owner or payee; Debt Digest does not custody account payments. Other participants may use their own approved payment instructions.

Debt Digest encrypts data in transit and at rest and scopes access by participant role and account authority. Identity information is used for verification and protected workflows and may be processed by approved service providers as described in the Privacy Policy. Access, deletion, and retention requests remain subject to identity verification and applicable legal or recordkeeping obligations.

A live receivable record must currently be connected by its owner or another authorized participant. If you received a secure invitation, verify the sender using contact information from an official statement or the organization’s own website, then sign in to review the Receivable Passport. Consumer-initiated enrollment and representative selection are not yet enabled.

Debt Digest uses monthly subscriptions for platform access. Subscription charges are determined by the participant’s selected plan and eligible subscription units, independent of payment, settlement, or recovery outcomes. If a consumer-paid subscription is offered in the future, its fixed price and terms will be disclosed before purchase.