See your debt-free date, and what is due this month.

Add each bill, behind or not. Debt Digest lays them out as one plan, with one date and what is due this month. You make every call.

Start with an example

One bill is enough to start. No sign-in to add it. No credit check. Your picture and your payoff at your own minimums are free, forever. How it works for people

Add

Start with what you have.

Type the company and a rough amount. A rough balance is fine.

See

One total, every bill.

One total. Each bill once, with where its number came from.

Your plan

Every bill, one date.

Paid off by about a date you can see, with every bill at its own payment.

This month

What is due this month.

Each bill’s next payment, on its own due day.

Settled

It leaves your total.

Paid or settled, a bill leaves your total.

  1. Add
  2. See
  3. Plan
  4. This month
  5. Settled

Where are you today?

Start where you are.

Four places people begin, and the first steps for each.

Your first steps

Look up who sent it.

  1. Look up the companySee how to reach it before you call anyone back.
  2. Know your rightsIn plain words, free.
  3. Add it to your planType the company and a rough amount.

Look up the company

SampleCompany pageBrightwater Credit Services
brightwatercredit.exampleTheir website
(555) 010-0117Their phone
31 people on Debt Digest named them

Your first steps

Put every bill in one picture.

  1. Put every bill in one pictureType each one. A rough amount is fine.
  2. Know your rightsIn plain words, free.
  3. Pick the one to work on firstYou choose where to start.

Add a bill

SampleAdd a bill
Company you oweAlder Park Medical Center
Rough amount$1,800
BehindKeeping upNot sure

Your first steps

See one total, one date.

  1. Add each billNothing here needs you to be behind.
  2. See one picture and one totalEvery bill in one place.
  3. Pay on each company’s own pageThe money goes to the company, never through us.

Add a bill

SampleWhat you owe$3,750
Maple Street Dental$600
Brightwater Card$1,350
Alder Park Medical$1,800
Next payment: the 15thMaple Street Dental, $150

Your first steps

Keep the plan in one place.

  1. Keep the plan in one placeThe company, the amount and the day each payment is due.
  2. See one picture and one totalEvery bill in one place.
  3. Pay on the company’s own pageThe money goes to the company, never through us.

Add a bill

SampleMaple Street Dental4 payments of $150
Paid so far$300
Still to pay$300
Next payment: the 15thYou pay it on the company’s own page

Ways in

Bring your bills in however you like.

Typing works today. The others are on the way.

You added · your estimateLive today
Maple Street Dental
$600
Keeping up. A rough amount is fine.
What you doType the company and a rough amount. About 30 seconds.

Nothing counts until you say yes.

Every card says where it came from. These are sample bills. Plain paper with a dashed edge is yours. Company colors mean the company confirmed it.

Companies

Know who is on your letter.

Look up a company, then read your rights in plain words. Free.

Every company page shows where each fact came from and the date it was checked. Browse every company we have a page for.

Your answer appears here.

What we show.

  • The steps, in order.
  • Your rights, in plain words.
  • The options a company really offers.
  • Your own numbers, so you can run them.

What we never do.

  • Tell you what to offer.
  • Tell you whether to pay, settle or wait.
  • Promise a result.
  • Contact a company about your bill for you.
  • Take a share of what you pay.

If you want advice, bring your own assistant or advisor. They can read your picture and help you think. Offers and payments stay yours to approve. See what an assistant can and cannot do.

Later

When a company you owe joins, your plan gets stronger.

It can show its own balance and the options it offers. Until then, nothing here depends on it.

Until a company joins, it sees nothing before 25 people name it, then only a count. Each person counts once.

For organizations

People name the companies they owe. Meet them there.

People on Debt Digest name the companies they owe. When you connect, you see one shared record.

  • Clean data
  • People who confirmed their own bill
  • One record both sides see
  • Payments go to your own page

Your brand on every touch about the account. A flat subscription, never a percentage of recovery.

See how it works for organizations
Sample credit union view · illustrative

Pinegate Credit Union

31

people are waiting for you on Debt Digest.

Each person who names you counts once. Names and contact details come only when you connect the account from your own records.

Debt Digest is software. It never collects and never negotiates. Your payment goes to the company on the account, never to us.

What stays true.

  1. 1

    Your payment on a debt goes to the company on the account, never to Debt Digest.

  2. 2

    Debt Digest is software. It is never a party to the debt and never collects.

  3. 3

    Debt Digest does not negotiate for anyone. Your debt picture does not contact a lender, collector, law firm, or settlement company.

  4. 4

    You can see a dated history of what you add and what changes.

What a company sees, and when.

Before a company joins Debt Digest, nothing that identifies you goes to it, only a count of how many people are waiting. If you confirm a debt and that company joins, it sees your initials, the last four digits of the account number, your own balance estimate, how many days behind you think you are if you gave it, the date you named it, and any payoff preference or resolved mark you add. Until that company connects your account from its own records, Debt Digest does not give it your name or contact details. After it connects, it also sees the name and email you gave Debt Digest.

Read about your rightsPrivacy policy

Add the bill you know best.

You can add the rest whenever you want.

Add a bill

No sign-in to add a bill. No credit check. Your picture and your payoff at your own minimums are free, forever.