How is Debt Digest priced?

It is a subscription. Creditors pay per active account under management per month, starting at $2.50 with a $1,500 monthly floor. Collection agencies pay per seat per month, starting at $200 with a $1,000 monthly floor. Creditor-side law firms pay per seat per month, starting at $300 with a $900 monthly floor. Never a percentage of recovery. Consumers are not charged that fee. There is no contingency at any tier.

What does the pilot cost?

Pilots are free. The standard free tier runs until you have placed 100 accounts or 30 days have passed, whichever comes first, and a negotiated pilot can be scoped larger in the order form. At the limit new placements pause rather than converting, so a subscription starts only when you separately accept an order form. You are never charged for merely reaching the limit.

Does Debt Digest charge any usage or outcome fee?

No. Debt Digest charges only the subscription stated in the accepted order form. There is no per-resolution, per-cure, per-payment, contingency, success, or percentage-of-recovery fee on any plan.

Pricing. Debt Digest.

Q: Does Debt Digest take a cut of what we collect?

No. Debt Digest never takes a percentage of recovered dollars. Your bill is the subscription stated in your accepted order form, and resolution volume or outcomes do not create invoice line items.

Q: Are the prices fixed?

The creditor, agency and firm prices are the current public rate card, and any paid access or change requires an explicitly accepted order form. The settlement company and consumer-side firm prices are planned only.

A picture, not enrollment

People can start a debt picture before you join. That is not enrollment. Their analysis comes with them when you connect the record.

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.

Their account analysis comes with them when you connect the record.
$2.50 per active account per month, never a percentage of recovery.

Request a pilot

A free core for people, and paid plans for organizations

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: no charge until you have placed 100 accounts or 30 days have passed, whichever comes first, both raisable for a negotiated pilot. At the limit new placements pause rather than converting, so the subscription turns on only once you have seen the product work and chosen it.

For people

The core is free, forever

Listing your debts, your debt picture and your next step are free, forever. Companies that join pay their own subscription; you get a self-service way to manage your accounts online.

$0 forever

No account fee, no signup fee, no cut of any payment plan or settlement

Self-service tools, no pressure
Every step disclosed before you agree to it
No fees added by Debt Digest, ever

Try the consumer portal →

For creditors

Creditors with a retained book

You hold a portfolio of past-due or charged-off accounts. Your team works every account on one recorded workflow, with the actions audited, billed each month whether or not the account resolves. $2.50 per active account per month. Never a percentage of recovery. Consumers are not charged that fee.

$2.50 / active account / month

Starts at a $1,500 / month floor · one per-account rate above it

$2.50 per active account per month, never a percentage of recovery
Resolution rails for balance-in-full, payment plans, and settlements
Your charge-off timing, per segment, on your own clock
Notice templates and contact-frequency tracking, for accounts that use them
Real-time dashboard, quarterly benchmark, audit export

Start a free pilot

For collection agencies

Collection agencies

Each of your collectors gets a productive workstation with your rules, frequency counters, and representation checks. You buy a seat for every operator who logs in, and nothing more.

$200 / seat / month

Starts at a $1,000 / month floor · roughly five seats

Subscription only: capacity changes are handled by adding or removing seats under your order form. Resolution volume never creates an invoice line item.

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

Start a free pilot See the agency cockpit → Try the live cockpit →

For creditor-side firms

Creditor-side law firms

A professional-services shop priced by the head. Each attorney and staff member gets a cockpit with the record, frequency counters, and representation checks.

$300 / seat / month

Starts at a $900 / month floor · roughly three seats

Attorney and staff cockpit with attorney-of-record sign-off
State court-filing-ready templates
Resolutions, frequency tracking, validation notices
Bar-rule compliance tracking
Flat per-seat subscription, no outcome fee

Start a free pilot

Pilots are free. You prove the product on your own accounts before any subscription begins. Floors are set per portfolio. The prices above are the current public rate card; any paid access or change requires an explicitly accepted order form. Payment flow: in currently activated direct-payment workflows, consumer funds go to the identified account owner or authorized payee. Debt Digest invoices each participating organization separately for its subscription.

You represent people. Pilots are open.

Settlement companies and consumer-side firms.

Request a free pilot. Nothing here is billed today, and the prices below are planned only. Both are software only: Debt Digest never holds client funds, handles payments or gives advice. Any paid access will be a flat subscription, never a percentage of anything.

For settlement companies · Planned price

Settlement companies

Your own workspace. Offers through Debt Digest are not open yet.

$600 / month planned, including 250 clients

Then $2.50 per client, $1.75 per client above 1,500. Planned, not billed today.

See the pilot

For consumer-side firms · Planned price

Consumer-side law firms

Software for the people you represent. Your firm is always the actor, never Debt Digest. Offers through Debt Digest are not open yet.

$600 / month planned, including 250 clients

Then $2.50 per client, $1.75 per client above 1,500. Planned, not billed today.

See the pilot

How billing works

We charge for the software, not for your wins.

The whole point is a number you can budget. Your bill is the subscription stated in your accepted order form. Resolutions, payments, cures, settlements, and dollars recovered never create additional invoice line items.

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 never becomes a fee

Debt Digest does not meter resolutions, payments, notices, API calls, exports, cures, settlements, or dollars recovered. Those events may appear in operational and audit records, but they do not become invoice line items.

Capacity is handled through the subscription. If your active-account volume or team changes, the corresponding account count or seat count changes only under the pricing and authorization in your order form.

Your bill is subscription only, priced per active account or per seat under an accepted order form. There is no usage, outcome, contingency, or percentage-of-recovery fee anywhere.

Compared to the alternatives

Three ways to handle past-due accounts. Only one is a flat, predictable subscription.

Most lenders choose between an outside agency with contract-defined commercial terms and an in-house team with its own operating cost stack. Debt Digest is software you license: a predictable subscription that does not climb the more you recover.

Traditional collection agency

Contract-defined

An outside agency operates under its agreement with the creditor. That agreement may include a contingency or another commercial term, so the exact cost belongs in the contract. The creditor can also hand over part of the customer relationship.

Debt Digest (subscription)

From $2.50 / account

A flat monthly subscription, per account or per seat. The number is the same in a great month and a slow one. Account ownership, participant authority, and the acting organization remain explicit throughout the shared workflow.

In-house collections team

Your cost stack

Staff, dialer, skip-trace, compliance training, and turnover are costs you carry directly. The total depends on team size, portfolio volume, and operating model, so it belongs in your own budget rather than a universal benchmark.

What is included

Feature matrix, by who you are.

The same product underneath. The difference is who buys a seat versus an account.

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
Resolution or outcome fee	None	None	None
Free pilot	✓	✓	✓
Participant roles and authority recorded per account	✓	✓	✓
Resolutions, validation notices, frequency counter	✓	✓	✓
Compliance dashboard & audit export	✓	✓	✓
The creditor's brand on the consumer's account (notices, cards, receipts)	✓	✓	✓
Programmatic API (creditor accounts)	✓	Not issued	Not issued
Service level agreement	Not issued	Not issued	Not issued
Enterprise SSO/SAML sign-in	Not active	Not active	Not active

Enterprise SSO/SAML sign-in is not active yet. IdP configuration can be staged, but sign-in remains unavailable until signature verification is deployed.

FAQ

The honest answers.

Real questions from the people who buy this: creditor VPs, agency owners, and firm partners. No softening.

A flat subscription. Creditors pay per active account per month, while agencies and firms pay per seat per month. That is the business. There is no usage, resolution, cure, payment, outcome, contingency, or percentage-of-recovery fee at any tier.

Nothing. Pilots are free and low-friction. You run the product on your own accounts and see the results before any subscription starts. We would rather you prove it to yourself than ask you to pay an unproven vendor up front.

Because every participant should be able to predict the cost of the shared system without tying Debt Digest's economics to a collection result. Subscription pricing keeps product incentives focused on reliable infrastructure, transparent workflows, and participant capacity, not on pressuring a particular account toward an outcome.

Not in the currently activated direct-payment workflows. Consumer funds go to the identified account owner or authorized payee, while Debt Digest invoices participating organizations separately for subscriptions. That routing is an operating fact, not a shortcut for deciding any participant's legal status; duties follow actual role, authority, conduct, account context, jurisdiction, and law. See how the compliance works.

If you hold a portfolio of accounts, you are a creditor and you pay per active account under management. If your people work accounts from a cockpit, you are an agency or a firm and you pay per seat. If you are not sure where you fit, start a free pilot and we will set it up the right way for your shop.

The floor is the smallest monthly subscription on a plan: $1,500 for creditors, $1,000 for agencies, $900 for firms. It exists so the product is supported and accountable even in a quiet month, and it is set per portfolio. As your book or your team grows past the floor, each additional account or seat is priced at the same per-unit rate.

Not yet. You can request a free pilot. The prices on this page are planned, and nothing is billed today. Debt Digest is software only: it never holds client funds, handles payments or gives advice.

None beyond the subscription authorized in your order form. There is no setup or onboarding fee, no per-notice charge, no per-API-call charge, no per-export charge, and no per-resolution or outcome fee. That is the complete fee model.

For creditor accounts, the master services agreement we contract on includes a data-export clause: within thirty days of termination you receive a complete export of your account data and the audit-log entries for your accounts, in a usable format. We then delete or anonymize the rest, keeping only what law, a litigation hold, or our seven-year audit-log retention schedule requires. In a wind-down the same clause applies, and during the term your account data is exportable from the workspace in standard CSV or JSON whenever the platform is available, so a routine export does not require a request to us. Agency and firm exports are run by our operators on request today. See /trust for the full vendor-resilience posture.

Stuff we will not do

Hard limits we will not negotiate around.

If any vendor offers to bend on these, it is a signal something is wrong upstream.

Will you take a percentage of what we recover to lower the subscription?

No. We do not price on a percentage of recovery, anywhere, on any plan, or in any custom deal. We also do not substitute a per-resolution or other outcome meter. The commercial model is subscription only.

Will you collect payments from consumers directly to make billing easier?

Not in the currently activated direct-payment workflows. Consumer funds go to the identified account owner or authorized payee, while each participating organization pays its own subscription. Payment routing does not decide legal status; actual role, authority, conduct, account context, jurisdiction, and law do.

Will you guarantee a specific recovery rate?

No. We frame every result as a target, not a promise. The free pilot exists exactly to produce your own number on your own accounts. We say it this way to stay clean of UDAAP and CFPB misrepresentation risk.

One simple subscription. Pick the plan that fits you.