Compare
See how HL Hunt compares to the way you collect today.
Agencies, in-house teams, legacy software, law firms, and debt sales each have real costs that are rarely measured. Here is how they stack up.
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vs Traditional Collection Agency
Compare AI debt collection with a traditional agency on contingency fees, recovery rates, speed, brand control, compliance exposure, and reporting. 3% to 26% vs 25% to 50% of recoveries.
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vs In-House Collections Team
Compare AI debt collection with building or growing an in-house team on cost per account, coverage, consistency, compliance burden, and turnover. Keep your people, multiply their reach.
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vs Legacy Collection Software
Compare an AI-native collections platform with legacy collection systems and dialers on outreach effectiveness, compliance automation, integration, time to value, and total cost.
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vs Collection Law Firm
Compare AI pre-legal collections with sending accounts straight to a law firm on cost, speed, consumer impact, documentation, and when litigation actually makes sense.
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vs Selling Your Debt
Compare AI collections with selling charged-off portfolios for pennies on the dollar. Recover a multiple of the sale price, keep control of your customers, and avoid downstream liability.
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How to evaluate your collections options honestly
Most organizations collect the way they always have: an agency on contingency, an in-house team on a dialer, a legacy system that stores accounts, a law firm for the hard cases, or a debt buyer for the write-offs. Each of these has a real cost that is rarely measured against alternatives, because collections is usually treated as a necessary expense rather than a function to optimize.
The comparisons below lay out how HL Hunt stacks up against each traditional approach on the dimensions that matter: net recovery after fees, cost per resolved account, speed, compliance exposure, customer experience, and control. We try to be fair about where each alternative still makes sense; agencies, law firms, and debt sales all have a place for certain accounts, and HL Hunt works alongside them. The point is to make the decision with data rather than by default.
Frequently asked questions
Can HL Hunt replace our collection agency entirely?
For most portfolios, yes. Clients typically start with a parallel test, then move all placements to HL Hunt and keep an agency or law firm only for specific late-stage or legal accounts, which they can place from the platform.
What is the real cost comparison with an agency?
Agencies charge 25 to 50 percent of recoveries. HL Hunt charges a subscription from $0 to $649 a month (custom at Enterprise) plus 3 to 26 percent commission depending on plan, and recovery rates are typically higher because every account is worked. Most clients see total collections cost fall by more than half.
Is it hard to switch?
No. Import accounts by CSV or API, recall from your agency, and outreach starts the same day. We help map histories and handle the transition. There are no setup fees or contracts.
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.