One simple subscription. Pick the plan that fits you.
Debt Digest is the software lenders, agencies, and firms use to resolve past-due accounts. You pay a flat monthly subscription for the seats or accounts you actually use. No percentage of what you recover. No success fee. Pilots are free, so you see it work before you ever pay.
The plans How billing works Vs. the alternatives What is included FAQ
Priced for who you are and what you use.
Creditors pay for the accounts they hold. Agencies and firms pay for the seats their people sit in. Every plan is a flat subscription with a monthly floor set per portfolio. Start with a free pilot, then turn on the subscription only once you have seen the product work.
Creditors with a retained book
You hold a portfolio of past-due or charged-off accounts. Every account is worked, surfaced, disclosed, and audited on a compliant rail each month, whether or not it resolves.
- Resolution rails for balance-in-full, payment plans, and settlements
- Your charge-off timing, per segment, on your own clock
- Validation notices and contact-frequency tracking built in
- Real-time dashboard, quarterly benchmark, audit export
- Volume tiers add SMS, white-label portal, and API as you scale
Collection agencies
Each of your collectors gets a productive, compliant workstation. You buy a seat for every operator who logs in, and nothing more.
- Operator cockpit with the full resolutions workflow
- Balance-in-full, payment-plan, and settlement tools
- Contact-frequency counter and validation templates
- Compliance dashboard and audit-ready records
- No cut of your contingency, ever
Creditor-side law firms
A professional-services shop priced by the head. Each attorney and staff member gets a cockpit with court-ready compliance built in.
- Attorney and staff cockpit with attorney-of-record sign-off
- State court-filing-ready templates
- Resolutions, frequency tracking, validation notices
- Bar-rule compliance tracking
- No success fee at any tier
Managed Services, for creditors who want a higher-touch hand
Some creditors do not have internal compliance staff and want Debt Digest to do more of the hands-on work. For them, there is an optional Managed Services tier: a higher subscription plus a higher flat per-resolution-processed software fee for the extra help. It is transparently labeled, it is never the default, and it carries no percentage of recovery. The higher-touch work is priced into the subscription and the flat meter, never into a cut of what you collect.
Represent consumers? A plan for consumer-side firms is coming through DD Settlement Rails, a separately governed company. It is not sold here yet. Tell us you are interested.
Pilots are free. You prove the product on your own accounts before any subscription begins. Floors are set per portfolio. The starting prices above are landing rates; volume tiers make each added account or seat cheaper. Payment flow: the consumer pays the creditor directly. Your bill from Debt Digest is the subscription. We never touch recovered funds.
We charge for the software, not for your wins.
The whole point is a number you can budget. Your bill is a flat subscription. On the agency plan, you can add a small flat fee each time the software handles a resolution. That add-on is a usage meter on the work the platform does, like Twilio billing per message or Bill.com billing per payment processed. It is the same dollar amount whether the account was $500 or $50,000.
What the subscription covers
The flat monthly fee, per account for creditors or per seat for agencies and firms, covers everything that keeps the product running: hosting, security controls, audit-log retention, notice generation, the dashboard, and support.
It does not move with your results. A good month and a slow month cost the same, so the number is easy to plan around and easy to take to a budget meeting.
What the flat per-resolution fee is
On the agency plan only, you can add a flat fee of $1 to $3 each time the software processes a resolution workflow. You pay it at the moment the work is delivered, so you only pay as the product actually does something for you.
It is a fixed dollar amount, not a percentage. Because Debt Digest never touches the money your consumer pays the creditor, the fee can never be a slice of recovery. It prices the software event, full stop.
Your bill is subscription (per account or per seat) plus, optionally on the agency plan, a flat fee per resolution the software processes. There is no percentage of recovery anywhere.
Three ways to handle past-due accounts. Only one is a flat, predictable subscription.
Most lenders today choose between an outside agency that takes a cut of every recovered dollar or an in-house team with a fully-loaded staff cost. Debt Digest is software you license: a predictable subscription that does not climb the more you recover.
Traditional collection agency
A cut of every recovered dollar, including the ones the consumer would have paid you anyway. Their bill climbs the better things go, and you hand over the relationship at the moment you most need it.
Debt Digest (subscription)
A flat monthly subscription, per account or per seat. The number is the same in a great month and a slow one. You keep the relationship, you stay the holder of the account, and you stay the brand on the screen.
In-house collections team
Fully-loaded cost per collections head per year, plus dialer, skip-trace, compliance training, and turnover. A fixed cost whether the portfolio is small or large. Hard to scale, hard to wind down.
Feature matrix, by who you are.
The same product underneath. The differences are who buys a seat versus an account, and which higher tiers unlock white-label and integrations as you grow.
| Feature | Creditor | Agency | Firm |
|---|---|---|---|
| What you pay for | Per account | Per seat | Per seat |
| Landing price | $2.50 / acct / mo | $200 / seat / mo | $300 / seat / mo |
| Monthly floor | $1,500 | $1,000 | $900 |
| Percentage of recovery | None | None | None |
| Optional flat per-resolution-processed fee | – | $1–3 / resolution | – |
| Free pilot | ✓ | ✓ | ✓ |
| You stay the party of record | ✓ | ✓ | ✓ |
| Resolutions, validation notices, frequency counter | ✓ | ✓ | ✓ |
| Compliance dashboard & audit export | ✓ | ✓ | ✓ |
| White-label portal (higher tiers) | ✓ | ✓ | ✓ |
| API, SSO/SAML, SLA (higher tiers) | ✓ | ✓ | ✓ |
| Optional Managed Services add-on | ✓ | – | – |
The honest answers.
Real questions from the people who buy this: creditor VPs, agency owners, and firm partners. No softening.
Hard limits we will not negotiate around.
If any vendor offers to bend on these, it is a signal something is wrong upstream.
Ready to see it work on your own accounts?
Start a free pilot. You will see the product run on your portfolio before any subscription begins, with no cost, no obligation, and no "contact us" curtain on the number.