Compare
HL Hunt vs selling your charged-off debt.
Selling charged-off accounts converts them to cash immediately, at 2 to 10 cents on the dollar. Working them on HL Hunt typically recovers a multiple of that over the following year, keeps your customers out of a debt buyer's hands, and avoids the reputational and legal risk that follows a sale.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
| Feature | HL Hunt | Selling the debt |
|---|---|---|
| What you receive | Typically 2x to 3x agency recovery, less commission | 2 to 10 cents on the dollar, once |
| Timing of cash | Flows as collected, from day one | Lump sum at close |
| Control of outreach | Full control of tone and channels | None once sold |
| Customer relationship | Preserved under your brand | Ended; buyer may resell |
| Reputational risk | Managed by your compliance engine | Buyer conduct tied to your name |
| Data and documentation | Stays with you | Transferred; chain-of-title disputes |
| Upside | You keep it | Buyer keeps it |
- 2-10¢
- Typical sale price per dollar
- 3-5x
- Platform recovery vs sale price, 12 months
- 0
- Downstream collector liability
- Yours
- Customer relationship preserved
Why teams switch to HL Hunt
Recover more than the sale price
Debt buyers pay a fraction because they expect to recover a multiple. With AI working every account, you can capture that multiple yourself.
Protect your customers
Sold accounts are worked by buyers and resold again. Your former customer's experience is out of your hands.
Avoid downstream liability
Regulators increasingly scrutinize sellers for buyer conduct and data accuracy. Working accounts yourself keeps control.
Low-cost scoring
Collectability scoring tells you which accounts are worth working, so you can sell only the ones that genuinely are not.
Win-back potential
A resolved charged-off customer can become a customer again. A sold one cannot.
Sell smarter if you sell
If you do sell a tranche, documented work history and clean data raise the price buyers pay.
Ready to move on from your selling your debt?
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
Score the portfolio
Collectability scoring projects recovery per account and in aggregate against the sale offers you have.
- 02
Work the collectable accounts
AI outreach, plans, and portal resolution over a defined period, with every contact compliant and logged.
- 03
Decide what remains
Retire, place legally, or sell the residual with documented history and a stronger price.
The debt buyer knows something you should
When a debt buyer offers five cents on the dollar for your charged-off portfolio, it is because they expect to recover fifteen or twenty. Their edge has traditionally been scale and persistence: they work accounts for years through agencies and legal channels while the original creditor has moved on. Selling made sense when creditors had no efficient way to work charged-off inventory themselves. That is no longer true.
HL Hunt gives creditors the buyer's capability without the buyer. Collectability scoring identifies which charged-off accounts are likely to pay. AI outreach works them through channels that reach people, with affordability-based plans and self-service resolution, at a marginal cost close to zero. Over twelve months, recovery on a scored, worked portfolio typically runs several times the price a buyer would have paid, and the accounts that do not respond can still be sold or retired afterward.
There are also reasons beyond money. Sold accounts are resold, often several times, and each buyer works them in its own way with your customer's data. Regulators have increasingly held sellers accountable for data accuracy and buyer conduct. Keeping accounts in-house means your former customer's experience stays in your control, your data stays yours, and a resolved account can become a reactivated relationship.
What changes
HL Hunt vs Selling Your Debt, side by side
| HL Hunt | Selling Your Debt | |
|---|---|---|
| Time to value | Outreach live the same day you upload accounts | Weeks to months of onboarding or implementation |
| 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.
vs Selling Your Debt 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
vs Selling Your Debt 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 HL Hunt instead of Selling Your Debt 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 and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
vs Selling Your Debt FAQ
Should we never sell debt?
Not necessarily. Selling can make sense for accounts that scoring shows are unlikely to pay or for cash flow needs. The point is to decide with data and to work the collectable accounts first rather than selling everything by default.
How long does it take to beat the sale price?
Most portfolios surpass a typical sale price within the first 60 to 90 days of platform outreach and continue recovering well beyond that.
Does working charged-off debt require a collection license?
Creditors collecting their own debt generally do not need agency licenses, though some states have requirements. The compliance engine maps rules per state and we help you confirm your footprint.
Can we still sell the residual later?
Yes. The platform documents all work performed, which buyers value. Clean, well-documented residual tranches typically command better prices.
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.