The channel debtors actually read.

For decades collections ran on the phone, and for the last decade the phone has steadily stopped working. Call answer rates for unknown numbers are in the single digits. Voicemails go unheard. Letters take days and are often not opened. Text messaging is the one channel with near-universal reach: nearly every adult has a phone, nearly every text is read, and most are read within minutes. Regulation F made texting explicitly permissible for debt collection in 2021, with rules around opt-out and procedures for avoiding wrong numbers. Texting is now the highest-performing first-contact channel in the industry.

HL Hunt treats SMS as a conversation, not a blast. Messages are personalized, brief, and lead with a clear action. Debtors reply, and the AI responds with real answers about the balance, plan options, or how to dispute, in natural language and within approved content. Payment links open to a verified portal where the balance can be paid or a plan started without a call. Every message and reply is logged to the account.

Compliance is continuous. Consent is verified against your records and revocations before every send. Reassigned-number database checks prevent texting someone who inherited a debtor's old number. Reg F opt-out language appears where required. State laws that restrict texting in certain situations are enforced. STOP, and natural-language equivalents, are honored instantly. The result is the reach of texting without the risk.