Channel: Voice
Phone calls that sound human and stay compliant.
Voice still matters for the debtors who prefer to talk and the conversations that need it. HL Hunt's AI voice agent handles outbound and inbound calls with proper disclosures, identity verification, natural conversation, payment capture, and seamless handoff to your team.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 24/7
- Inbound answered, no hold time
- 7-in-7
- Call frequency cap enforced per debt
- 100%
- Calls transcribed and logged
- <1s
- Response latency in conversation
What AI Voice Calls does on HL Hunt
Correct disclosures, every call
Mini-Miranda, identification, recording notice, and state-required statements delivered in the right order, every time.
Identity verification first
No account details until the right party is verified, satisfying third-party disclosure rules automatically.
Natural, patient conversation
Handles interruptions, questions, objections, and accents. Never raises its voice, never gets tired.
Payment and plan capture
Take card and ACH payments by voice with PCI-compliant capture, or set up a plan and send the agreement by text.
Frequency and time controls
Reg F 7-in-7 limits, quiet hours by time zone, and state call caps enforced before dialing.
Warm handoff to humans
Hardship, complex disputes, or a request for a person routes to your team with the transcript and context attached.
Turn on AI Voice Calls outreach today.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Pre-call checks
Consent, frequency count, time zone, state rules, and account status verified before the call is placed.
- 02
AI conducts the call
Disclosures, verification, conversation, and resolution, with real-time compliance monitoring on what is said.
- 03
Log and follow up
Transcript, outcome, and any promise or payment attached to the account. Follow-up text with links sent if useful.
The phone is not dead; the dialer is
Collections has relied on predictive dialers that call thousands of numbers and connect the few who answer to whichever agent is free. That model is collapsing: answer rates for unknown numbers are below 10 percent, Reg F caps call attempts at seven per week per debt, and TCPA autodialer litigation has made aggressive dialing a liability. Yet some debtors genuinely prefer to talk, and some conversations, a hardship explanation or a complicated dispute, work better by voice.
HL Hunt's AI voice agent is built for that reality. It calls selectively, when the data says a call is the right channel for that debtor, and only within every frequency and time rule. On connection it delivers disclosures correctly, verifies identity before discussing anything, and then holds a real conversation. It can explain the balance, offer plans, take a payment, or schedule a callback. It never pressures, never misstates, and escalates when it should.
Inbound is where voice shines. Debtors who call back after a text or letter reach an agent immediately, around the clock, with no hold time. Most inbound calls, which are about balances, payments, and plans, resolve entirely with AI. The ones that need a person reach one with full context already in front of them.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| AI Voice Calls compliance | Channel-specific consent, opt-out, and timing rules enforced automatically | Manual list management and hope |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
AI Voice Calls is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
AI Voice Calls is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with AI Voice Calls today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Brand assets, tone preferences, and any approved message templates
- 05A sending domain or subdomain for email and a business name for texts and calls
AI Voice Calls FAQ
Do debtors know they are talking to an AI?
Yes. The agent identifies itself as an automated assistant where required by law and on request, in addition to standard debt collection disclosures.
How do you comply with the TCPA for AI calls?
Calls to cell phones use consent records and the appropriate dialing method, prerecorded or artificial voice rules are respected, and all frequency and time limits are enforced before dialing.
Can the AI take payments by phone?
Yes. Card and bank details are captured through a PCI-compliant flow where the sensitive data never touches the conversation transcript.
How many voice minutes are included?
Free includes none. Basic includes 100 minutes a month, Growth 500, Scale 2,500, and Enterprise unlimited. Overage is available on paid plans.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.