Channel: Voicemail
Voicemails that comply by saying less.
Regulation F created the limited-content message so collectors can leave a voicemail without disclosing a debt to whoever hears it. HL Hunt generates and delivers these messages exactly as the rule specifies, routes callbacks to AI or your team, and counts every attempt against frequency limits.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- Reg F
- Limited-content message compliant
- 31%
- Callback rate within 48 hours
- 0
- Third-party disclosure risk
- Auto
- Counted toward 7-in-7 limits
What Voicemail Drops does on HL Hunt
Exact limited-content language
Only the content Reg F permits: your business name, a request to reply, contact information, and names. Nothing that reveals a debt.
Frequency-aware delivery
Each voicemail counts as a call attempt under Reg F and is tracked against the 7-in-7 cap per debt.
Callback routing
Returned calls reach the AI voice agent or your team with the account loaded, around the clock.
Natural voice
Human-sounding, clearly spoken messages, with name pronunciation handled correctly.
State rule awareness
States that restrict voicemail or require specific content are handled per debtor location.
Complete logging
Message content, delivery time, and any callback are recorded on the account.
Turn on Voicemail Drops 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-send checks
Frequency count, time zone, state rules, and account status verified before the drop.
- 02
Deliver the message
Compliant limited-content voicemail delivered through TCPA-compliant methods for the number type.
- 03
Handle callbacks
Returned calls are identified by number and routed to AI or a human with context.
Why voicemails used to be dangerous, and how Reg F fixed it
Before Regulation F, leaving a voicemail was a legal trap. The FDCPA requires collectors to identify themselves as debt collectors in communications, but also prohibits disclosing a debt to third parties. If a family member heard the voicemail, that was a violation. If the collector omitted the disclosure, that was a violation too. Many collectors stopped leaving messages entirely, which meant debtors who missed calls never knew who was trying to reach them.
Regulation F resolved this with the limited-content message: a voicemail that includes only the business name (without indicating it is a collector), a request to reply, contact information, and optionally the debtor's name and a day and time to call. Because it does not convey information about a debt, it is not a communication under the FDCPA, so it does not require disclosures and does not create third-party exposure. It does count as a call attempt for frequency purposes.
HL Hunt implements the rule precisely. Messages contain only permitted content, are delivered through methods compliant with TCPA rules for the number type, and are counted against frequency limits. Callbacks are identified and routed to the AI voice agent or your team with the account ready, so the debtor who returns the call has a productive conversation immediately.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Voicemail Drops 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.
Voicemail Drops 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
Voicemail Drops 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 Voicemail Drops 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
Voicemail Drops FAQ
What can a limited-content message include?
Your business name that does not indicate debt collection, a request for the consumer to reply, the name of a person they can contact, and a phone number. Optionally, a salutation, the date and time of the message, suggested callback times, and an opt-out statement. Nothing else.
Does a voicemail count toward the 7-in-7 limit?
Yes. Each limited-content message is a call attempt under Regulation F and is tracked per debt.
Is ringless voicemail allowed under the TCPA?
Courts and the FCC have treated ringless voicemail as a call subject to TCPA rules. HL Hunt uses consent records and compliant delivery methods accordingly.
Can we customize the message?
You can set your business name, callback number, and contact name. Content outside what Reg F permits is not allowed, by design.
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.