People can enroll before you join. Their analysis comes with them. Never a percentage of recovery. Consumers are not charged that fee. Then the tour: import accounts, configure offers, watch customers self-resolve, and recover funds at $2.50 per active account with a $1,500 floor.
Borrowers can enroll and analyze their accounts before you join the rails. When you join, anyone who flagged you appears in your inbox, and you connect each one by placing your own record. Counts only: this page does not name any consumer. $2.50 per active account per month. Never a percentage of recovery. Consumers are not charged that fee.
Switch between Portfolio Analytics, Settlement Workflow, and Compliance & Audit: the same three surfaces your collections lead, finance team, and examiner each ask for.
| Consumer | Balance | DPD | Status | Offer |
|---|---|---|---|---|
| J. Martinez | $4,200 | 67 | Delinquent | Offer Sent |
| S. Chen | $12,900 | 142 | 90+ DPD | Pending |
| M. Williams | $8,400 | 31 | Delinquent | No Offer |
Illustrative sample portfolio data for product preview. Real metrics populate from your accounts after onboarding.
| Consumer | Balance | Offer Amt | Savings | Status | Days Left |
|---|---|---|---|---|---|
| James T. | $4,200 | $2,100 | 50% | Pending | 14 days |
| Sarah M. | $8,900 | $3,560 | 60% | Accepted | n/a |
| David K. | $15,400 | $7,700 | 50% | Declined | n/a |
| Ana P. | $2,800 | $1,260 | 55% | Pending | 8 days |
Illustrative sample offer data for product preview. Real offers populate from your portfolio after onboarding.
Illustrative sample compliance data for product preview. SOC 2 is in progress; current status is published at /trust.
Want to see your portfolio in this view?
Request early accessNo intermediaries. No commission splits. Just a clean, auditable workflow: your brand, your consumers, your bank account.
Upload a CSV of delinquent or charged-off accounts. Debt Digest maps your columns, validates the data, and automatically flags SOL-sensitive accounts so your team knows what needs attention before a single outreach fires.
Set offer tiers by days-past-due bucket, or apply manual offers account-by-account. Every offer is logged with a timestamp, offer amount, expiry, and the user who created it. Full audit trail, automatically.
Each consumer receives a unique portal link; no login required for the basic flow. They see their balance, your current offer, and a plain-language explanation of their options. They can accept, propose a payment plan, or flag a dispute, all without picking up the phone.
Accepted settlements flow directly to your institution's bank account. No middleman holding funds. No commission split. No re-aging risk. Debt Digest bills a flat per-active-account subscription, never a percentage of what you recover.
The platform records the owner, creditor, servicer, collector, firm, representative, sender, and decision-maker separately. In currently activated direct-payment workflows, it does not custody consumer funds. Legal duties follow actual role, authority, conduct, account context, jurisdiction, and law. See how the controls work.
Recovery isn't just a collections problem. Debt Digest is designed for the people who own compliance, finance, and customer relationships.
For your compliance team
Every outreach, offer, response, and payment is timestamped, logged in an append-only audit trail, and tied to the participant that acted. The record preserves ownership, authority, sender identity, and decision provenance so an examiner can review what actually happened.
For your finance team
You pay nothing up front during the pilot, which is free until 100 accounts placed or 30 days elapsed, whichever comes first, both raisable for a negotiated pilot: no platform fee, no contingency, no percentage of recovery. Reaching either limit pauses new placements rather than starting a charge. People can enroll before you join. Their analysis comes with them. Never a percentage of recovery. Consumers are not charged that fee. Post-pilot: $2.50 per active account per month, $1,500/month floor, and only if you separately accept a subscription order form. Model your portfolio's math with us before you commit.
For your consumers
Consumers see your institution's name, not a stranger's, and are offered real options in plain English. Options are presented in plain English on a page the consumer controls. Most people who default want to pay; they just need a fair, fear-free path. Debt Digest builds that path. Goodwill preserved.
If yours isn't here, tell us on the pilot call. We'll get it answered before you sign anything.
That depends on who is acting, what they do, their authority, the account, and the jurisdictions involved. Direct creditor self-collection can be treated differently from servicing, third-party collection, legal representation, or debt ownership, but the platform does not make that legal determination. See how role-specific controls work.
Have counsel evaluate your specific operating model and state-by-state requirements before activation.
A cure is when an account returns to 0 DPD and stays current for 60+ days. We benchmark your cure rate against your own 12-month history on the same DPD bucket, or the default set in your order form if you don't have it, so you can see the lift Debt Digest drives. It doesn't change your bill: pricing is a flat per-active-account subscription, with no percentage of cures or recovery.
They stay in your Debt Digest portfolio. You choose the next step: adjust offer tiers, extend timelines, enroll a payment plan, or export for agency placement. Nothing falls off a cliff, and nothing moves without your written instruction. We never hand them off and never resell.
Activation follows readiness gates rather than a calendar promise: verified identity and authority, data mapping, offer configuration, brand setup, compliance review, and a passing preflight. We surface the unmet gate directly instead of declaring an account live early.
In currently activated direct-payment workflows, consumer funds go to the identified account owner or authorized payee. Debt Digest invoices your institution separately under its per-active-account subscription. People can enroll before you join. Their analysis comes with them. Never a percentage of recovery. Consumers are not charged that fee. Pilot: no platform fee. Post-pilot: $2.50 per active account per month, $1,500/month floor. No usage, outcome, contingency, or percentage-of-recovery fee.
SSO and SCIM are not yet live. Today, the creditor dashboard uses role-based auth with JWT (4-hour expiry) and per-IP rate limiting. Enterprise SAML/OIDC and SCIM activation remains gated on the identity, tenant-isolation, and provisioning controls documented at /trust.
Send us a redacted snapshot of your 30–115 DPD bucket. We'll model your cure-rate lift, pilot economics, and 90-day rollout plan at no cost, no obligation.