Reach
Contact every debtor on the channel they answer, at the time they respond. SMS, email, AI voice, voicemail drops, and letters, chosen per person by an engine that learns from every reply, with a payment link in every message.
Debt collection,
run by AI.
HL Hunt reaches every debtor through the right channel at the right time, negotiates plans they can actually pay, takes the payment, and checks every contact against the FDCPA, TCPA, Regulation F, and state law before it happens. Your team handles only the conversations that need a human.
- 38% higher recovery
- Zero compliance violations
- Outreach live in under an hour
- Free to start, 3% to 26% commission
Watch: HL Hunt in 5 minutes
What you can do
One platform that decides, contacts, negotiates, collects, and complies.
Collections software used to store accounts for people to work. HL Hunt does the work, and your team supervises.
Reach every debtor, on the channel they answer
Text, email, AI voice, voicemail drops, and letters, chosen per debtor by AI and timed to when each person responds.
Explore channelsLet AI hold the conversation
Conversational AI answers questions, handles disputes, negotiates affordable plans, and escalates to a human only when it should.
See the outreach engineMake violations structurally impossible
FDCPA, TCPA, Regulation F, and 50-state rules checked before every message, call, letter, and credit report.
Read the compliance guidesTurn intent into payment
Payment links in every message, a self-service portal, and plan logic that collects the installment the debtor can afford.
See payment plansFind the people you lost
Integrated skip tracing refreshes phone, email, and address data so AI outreach reaches debtors your old data could not.
See skip tracingWork the accounts that will pay
Collectability scoring and escalation waterfalls put effort where it changes outcomes instead of on the oldest balance.
See scoringOne platform.
Reach. Resolve. Comply.
Resolve
Conversational AI answers questions, handles disputes, verifies identity, and negotiates plans and settlements within the authority you set. The portal takes card, ACH, and wallets and runs reminders, retries, and receipts on its own.
Comply
FDCPA, TCPA, Regulation F, FCRA, and 50-state rules run as checks before every action. Bankruptcy, SCRA, and cease requests stop outreach automatically. Every decision is logged, so audits and disputes are a query, not a project.
Everything included
The complete collections stack, with AI doing the work.
Reach, converse, negotiate, collect, and comply from one account. Every capability below is live on every plan, from Free to Enterprise, with no add-ons and no enterprise gate.
How it works
Your entire collections workflow.
All in one place.
Ten connected capabilities. One clear view.
Built for how you are owed
Every creditor type. Every debt type. The right rules for each.
AI outreach, compliance rules, tone, and integrations configured for lenders, healthcare, property, utilities, agencies, and more.
By debt type
Medical, auto, rent, BNPL, commercial: each type has its own law. We encode it.
Debt type drives strategy, compliance, and messaging across 17 debt types, with mixed portfolios running on one subscription.
The math
Recover more. Keep more of what you recover.
A traditional agency recovers around 14 cents on the dollar and keeps 30 cents of every one of those. HL Hunt recovers around 38 cents because AI works every account, every day, and charges a commission that falls to 3% as you grow. On a $250,000 monthly placement, that is the difference between about $24,500 and about $83,000 net to you.
- Every account worked, not just the top of the pile
- Commission from 26% on Free down to 3% on Enterprise
- No setup fees, implementation fees, or contracts
- Recovery rates typically 2x to 3x a traditional agency
- Zero compliance violations across client portfolios
- Your brand on every contact, so customers come back
Commission drops as your volume grows. Change plans any time.
Estimate your lift
ExampleAgency net
$24,500
HL Hunt net
$83,351
Monthly lift
+$58,851
Of every $100 recovered
$88 to you
$12
Assumes a 14% agency recovery rate at 30% contingency and a 38% HL Hunt recovery rate, the medians across client portfolios on consumer debt 30 to 180 days past due. Plan selected from active account volume; Enterprise shown at an illustrative subscription. Your results depend on debt type, age, and data quality.
Measured in production
- Median 90-day recovery rate on consumer debt 30 to 180 days past due.
- 38%
- Compliance violations across client portfolios since launch.
- 0
- Open rate on first-contact text messages.
- 98%
- From CSV upload to first compliant outreach.
- < 1 hr
Median 90-day recovery rate on consumer debt 30 to 180 days past due.
Compliance violations across client portfolios since launch.
Open rate on first-contact text messages.
From CSV upload to first compliant outreach.
FAQ
Common questions
- HL Hunt is an AI-powered debt collection platform. It decides which accounts to contact and how, reaches debtors through text, email, AI voice, letters, and a payment portal, holds the conversation, negotiates payment plans, takes payment, and checks every action against the FDCPA, TCPA, Regulation F, and state law before it happens. Your team supervises and handles only the conversations that need a human.
- Plans run from Free ($0 a month, 50 active collections, 26% commission on recoveries) through Basic ($79, 18%), Growth ($249, 12%), and Scale ($649, 8%) to Enterprise (custom subscription, 3% commission, unlimited volume). Every feature is included on every plan. There are no setup fees, implementation fees, or contracts, and commission is charged only on money actually recovered.
- An agency keeps 25 to 50 percent of what it recovers and works only the accounts its collectors can reach, typically recovering around 14 percent of placed balances. HL Hunt works every account every day with AI, recovers a median 38 percent within 90 days on comparable consumer debt, and charges a commission that falls to 3 percent as you grow. Debtors hear from your brand in a respectful tone, and every contact is compliance-checked and logged.
- Yes. The same laws apply whether a human or an AI sends the message, and HL Hunt enforces them more consistently than a human team can. Reg F frequency limits and time windows, TCPA consent, validation periods, cease requests, bankruptcy and SCRA screening, and 50-state licensing and conduct rules run as hard stops before every text, email, call, letter, and credit report. Every decision is logged with the rule applied.
- Any consumer or commercial receivable: credit cards, personal and auto loans, medical bills, rent and move-out balances, utilities, telecom, BNPL installments, tuition, HOA dues, commercial invoices, overdrafts, subscriptions, memberships, and legal fees. Each debt type gets its own strategy, tone, and compliance rules, and mixed portfolios run on one subscription.
- Create a free account, upload a CSV of accounts, and compliant AI outreach begins within the hour. API and native connector integrations for loan servicing, EHR, property management, and billing systems typically go live within days. There is no implementation project and no consultants.
- Yes. You set tone guidelines, approved templates, settlement authority, plan terms, contact limits stricter than the law, and approval workflows. The AI operates only within those bounds, and you can review conversations, approve offers above your threshold, and take over any account at any time.
- Both. Creditors use it to collect their own receivables from first missed payment through charge-off. Collection agencies, debt buyers, and law firms use it for third-party collection with the disclosures and rules that apply to them. The compliance engine applies the correct standard to each account.
- Yes. The agent workspace gives your team a queue of AI handoffs with full conversation context, suggested responses, and compliance guardrails in the interface. You decide which situations route to humans, such as hardship claims, disputes over a threshold, or any debtor who asks for a person.
- When a debtor disputes a debt, collection pauses automatically, a validation packet with itemization is generated and sent on the statutory clock, and the account resumes only when validation is complete. Cease requests, attorney representation, bankruptcy filings, and deceased notices are handled the same way, with a complete record of every step.
Why we exist
Collections should be effective, lawful, and humane. The industry has settled for one out of three.
Agencies keep a third of what they recover and still miss most accounts. Dialer floors break the law by accident every day. Debtors get harassed instead of helped. We built AI that works every account, follows every rule, and treats people like customers, and we publish the price.
AI debt collection that recovers more and never breaks the rules.
Upload your first accounts and compliant outreach starts within the hour. Free to start, commission only on what you recover.