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The WolfX Debtor Portal
Last updated: June 2026
What can a debtor see in the portal?
When a creditor shares a portal link, the debtor sees a focused, read-only summary of the case rather than your full account. The aim is to make the position clear and reduce back-and-forth, while keeping your internal records private.
| Area | What the debtor sees |
|---|---|
| Invoice summary | The invoice reference, amount outstanding, and the date payment was due. |
| Evidence summary | A high-level list of the records on file that support the debt, such as the order, the invoice, and delivery or acceptance — not your private notes. |
| Status | Where the case currently sits, for example awaiting payment, in dispute, or a promise to pay recorded. |
| Next step | What is expected next, and how to respond through the portal. |
How does a debtor raise a dispute?
If the debtor disagrees with the invoice, the portal lets them raise a dispute and explain their reason in writing. The dispute is recorded against the case so the creditor has a clear, time-stamped record of what was said and when. Raising a dispute does not delete the invoice or the underlying evidence — it adds the debtor's position to the file so both sides can be reviewed together.
A genuine dispute is important context before any escalation. UK pre-action expectations encourage parties to exchange information and try to resolve matters early, so capturing a dispute in writing helps the creditor respond properly rather than escalating a contested debt by mistake.
How does a promise to pay work?
Instead of disputing, a debtor can record a promise to pay — for example, confirming they intend to pay by a particular date or in instalments. The promise is logged against the case so the creditor can see the commitment and follow up if it is not met. A promise to pay recorded in the portal is the debtor's own statement of intent; it is not a guarantee of recovery and does not, by itself, settle the debt.
What about payment status and contact preferences?
The portal shows the current payment status of the case so the debtor always knows where things stand. Debtors can also set basic contact preferences, such as the best email address for correspondence, which helps the creditor reach the right person.
Importantly, WolfX does not collect debtor payments. If the creditor has not enabled a live payment provider, an online payment link may not be available in the portal, and the debtor may need to pay the creditor directly using the creditor's own bank details or payment method. WolfX is not a payment processor; it records status and evidence, it does not move money.
Why is portal access fails-closed?
Each portal link uses a scoped access token tied to a single case. Access is fails-closed: if a token is missing, expired, revoked, or does not match the case, the portal refuses access by default rather than showing anything. This keeps a debtor's view limited to the one invoice they are meant to see, and keeps your wider account and other cases out of reach. Treat portal links as confidential and share them only with the intended recipient.
WolfX is software for evidence-backed invoice recovery workflows. WolfX is not a law firm, debt collection agency, court, or payment processor. This site provides general information, not legal advice.
Frequently asked questions
Can debtors dispute or promise to pay through the portal?
Yes. A debtor can raise a dispute with a written reason, or record a promise to pay by a chosen date or in instalments. Both are logged against the case with a time stamp so the creditor has a clear record.
Does WolfX take the payment?
No. WolfX does not collect debtor payments and is not a payment processor. If a live payment provider is not enabled, an online payment link may not be available and the debtor may need to pay the creditor directly using the creditor's own bank details or payment method.
Can a debtor see the creditor's whole account?
No. The portal shows a read-only summary of a single invoice and its evidence, plus the case status and next step. Access is fails-closed and scoped to that one case, so other cases and private notes are not exposed.
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