Help Center

You see a total once each debt has an amount. A plan and a debt-free date also need a minimum payment on each debt and a monthly amount you can put toward debt. A pay link, when shown, opens the company's own site. Debt Digest never takes the money.

Once you are signed in, go to You, then Your data rights, then Delete my data. Requests are processed within 45 days.

File a Dispute and Contact Preferences are on accounts a company connected to Debt Digest. On a debt you typed in, the debt's screen can draft a letter asking the company to show the debt is yours, and you can always write to the company directly.

Your account details are the shared account record. They identify the current owner and each authorized participant, show the balance and account status supplied to the platform, and keep 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 account details identify 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 Contact Preferences. You can change channel preferences or record a stop-contact request. The platform shows your request to the companies listed on your account and applies it 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.

Payments are simulated. Card payments are off. A test click is not a payment. No payment processor handles card details. The screen can show a payment method and a payee for an account. Debt Digest never holds your payment.

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.

Yes. You can start a debt picture yourself, including for a company that is not on Debt Digest yet. Start at Add a debt. Name the company. Before a company joins Debt Digest, nothing that identifies you goes to it, only a count of how many people are waiting. If you confirm a debt and that company joins, it sees your initials, the last four digits of the account number, your own balance estimate, how many days behind you think you are if you gave it, the date you named it, and any payoff preference or resolved mark you add. Until that company connects your account from its own records, Debt Digest does not give it your name or contact details. After it connects, it also sees the name and email you gave Debt Digest. That is a picture, not enrollment, and not a live shared account. You are not charged. The picture does not contact a creditor, collector, law firm, or settlement company.

A live shared account is connected by the company on the account or an organization it authorizes, or through a secure invitation you verify from an official statement or the organization’s own website. If you received a secure invitation, sign in to review the account details. Consumer-initiated enrollment and representative selection are not yet enabled. Starting a debt picture is not enrollment.

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.