How it works
One debt. Every side of it.
Debt Digest is one record built for a person and every company around their debt to connect to. Pick a seat and see the same debt from there.
If you owe money
Your whole picture, free.
Add every debt, behind or not. See one plan with a date, and what is due this month.
- Add each debtAny company you owe, whether it is here or not.
- See one dateWhen your debts are paid off at your own minimums. Your picture and your payoff at your own minimums are free, forever.
- Pay each company directlyWhen we have the company’s payment page on file, a Pay button opens it. The money goes straight to the company, never through Debt Digest.
Debt Digest never holds your money and never speaks for the company you owe.
Add a debt, free →Lenders and credit unions
Meet people already organized.
People keep every debt here, yours included. When you join, you will connect accounts from your own records and answer them on one record.
- People start firstPeople can start a debt picture before you join. That is a picture, not enrollment.
- Connect your record NextA balance from you is shown as on record with you, next to the person’s own estimate, each labelled for what it is.
- Get paid on your own page NextA person pays on your own payment page. Debt Digest never holds it, routes it or takes a share.
$2.50 per active account per month. Never a percentage of recovery. Consumers are not charged that fee.
Pilot: $0/account/month, no platform fee, no contingency
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.
Post-pilot: $2.50 per active account per month, $1,500/month floor, and only if you separately accept a subscription order form.
Sample data only: this page names no real person.
Request a pilot →Collection agencies
The account arrives with its record.
You collect. Your rules and your compliance stay yours. Debt Digest is the software underneath, never the collector.
- Placed accountsPlaced accounts with one record both sides see.
- Saved creditor wordingSaved wording from the creditor you work for goes out only after that creditor approves it and signs off compliance.
- Your own messagesMessages your team writes are yours, under your rules.
Debt Digest never decides who is contacted.
For collection agencies →Creditor-side law firms
Read what happened, in order.
Matters stay behind your firm’s own wall. One dated record per account, and every notice names the client.
- Open the recordOne dated record per account, read as a single timeline.
- See who approved whatImportant actions stay visible in order, with who approved them.
- Keep the client the speakerEvery notice names the client. The client’s saved wording goes out only after the client approves it and signs off compliance.
Debt Digest never gives legal advice and never decides who is contacted.
For creditor-side firms →Settlement companies and consumer-side firms Pilot
Your clients, in their own room.
Your own workspace, kept apart from everything a lender sees. Pilots are open. Choosing a firm in the app and offers through Debt Digest are not open yet.
- The client sharesOnly what they choose to share with you.
- One record per clientWhich accounts the client shared, in one place. Your list starts empty until people can choose a firm in the app.
- Your own roomYou sign in to your own workspace. Your side never shares screens with a lender’s side.
Never client funds, escrow, payments or advice.
Settlement companies → Consumer-side law firms →Why it holds together
Each seat sees its own part of one history. No one retypes it.
Each side works in its own space and sees only what its role permits. The sides never share screens. When we have the company’s payment page on file, a Pay button opens it, and the money goes straight from the person to the company.
Take your seat.
People start free, any time. Evaluation is free until 100 accounts or 30 days, whichever comes first. Paid access begins only under a separately accepted subscription order form. Never a percentage of recovery.