Paper when paper is required.

Mail is slow, expensive, and often unopened, so it is a poor primary collection channel. But it remains essential. The validation notice must be delivered in a way reasonably expected to reach the debtor, and mail is the default when electronic delivery is not available or appropriate. Many states require specific notices by mail. Some debtors, particularly older ones, respond to letters and nothing else. And a documented mailing is powerful evidence that notice was given.

HL Hunt integrates mail into the same strategy engine as texts, emails, and calls, so a letter goes out when a rule requires it or when the data says it is the right channel, not on a fixed schedule for every account. Content is generated from the CFPB model validation notice and state-specific templates, populated with the account's itemization and the correct disclosures for the debtor's location.

Addresses are verified against NCOA and CASS before every mailing, which cuts returned mail dramatically. When mail does return, skip tracing is triggered automatically. Every letter is archived as a PDF on the account with mailing and return events, so the compliance file is complete without anyone filing anything.