Reach debtors where they actually respond.

Collections ran on the phone for fifty years, and the phone has stopped working: answer rates for unknown numbers are below ten percent, and Regulation F caps attempts at seven per week per debt. The debtors you are trying to reach read texts within minutes, check email for anything that looks important, respond to a letter if it arrives at the right moment, and will pay through a portal at midnight if the link is in front of them. The right channel is different for every debtor and changes over time.

HL Hunt treats channels as options the AI chooses among, not campaigns to run in parallel. The outreach engine learns which channel each debtor responds to and when, and the compliance engine applies the rules specific to each: TCPA consent for texts and calls, Reg F opt-out language for electronic messages, limited-content rules for voicemail, mailing requirements for notices, verification requirements for the portal. Every channel feeds the same account timeline, so a debtor who gets a text, replies by email, and pays in the portal has one coherent history.

The channel pages below explain how each one works, what the law requires, and what results to expect. All channels are included on every plan; usage limits for SMS, email, and voice minutes scale with the plan tier.