One simple subscription. Pick the plan that fits you.
People can enroll before you join. Their analysis comes with them. Never a percentage of recovery. Consumers are not charged that fee. Creditors still pay $2.50 per active account per month with a $1,500 floor. Agencies and firms pay per seat. Pilots are free, so you see it work before you ever pay.
Before you join The plans How billing works Vs. the alternatives What is included FAQ
People can enroll before you join. Their analysis comes with them.
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.
- People can enroll before you join.
- Their account analysis comes with them.
- $2.50 per active account per month, never a percentage of recovery.
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.
Creditors with a retained book
People can enroll before you join. Their analysis comes with them. 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 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
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.
- 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 the record, frequency counters, and representation checks.
- 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
Always free
You never see a bill from Debt Digest. Your creditor, agency, or firm pays the subscription; you get a self-service way to resolve your account online.
- Self-service tools, no pressure
- Every step disclosed before you agree to it
- No fees added by Debt Digest, ever
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 with a higher subscription stated in a separate order form. It is transparently labeled, never the default, and never priced per resolution, payment, cure, or recovery outcome.
Represent consumers? Consumer-side firms are participants in the same receivables ecosystem, on a separate channel from the creditor-side workspace described above. That channel is not open yet, and no plan is available to sign up for today; any paid access will remain subscription-only. Email hello@debt-digest.com to register interest.
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.
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.
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
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)
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
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.
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 |
| Optional Managed Services add-on | ✓ | – | – |
Enterprise SSO/SAML sign-in is not active yet. IdP configuration can be staged, but sign-in remains unavailable until signature verification is deployed.
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.