Compare
HL Hunt vs doing it all in-house.
An in-house team gives you control but scales only by hiring, and collectors spend most of their day on contacts that go nowhere. HL Hunt keeps your team and gives it an AI layer that works every account, handles the routine, and sends humans only what needs them.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
| Feature | HL Hunt | In-house team |
|---|---|---|
| Cost structure | Subscription plus low commission | Salaries, dialer, telecom, management |
| Coverage | 24/7 across every channel | Business hours, phone-first |
| Capacity | Scales instantly with volume | Hiring and training lag |
| Compliance | Checked on every contact automatically | Training, QA sampling, human error |
| Consistency | Same approved tone on every account | Varies by agent and day |
| Team role | Handles exceptions and escalations | Dials and leaves voicemails |
| Reporting | Real-time by vintage, channel, strategy | Spreadsheets from the dialer |
- 60%
- Less collector time per resolved account
- 10x
- Accounts a collector can oversee
- 0
- New hires needed to grow
- -45%
- Compliance review hours
Why teams switch to HL Hunt
Your team, multiplied
Collectors stop dialing and start handling the conversations that matter. One person oversees what used to take ten.
No more missed accounts
In-house teams work what fits in the day. AI works everything, every day, at the right time for each debtor.
Consistency by default
Every contact follows your policy, uses approved language, and is checked for compliance. No off-script moments.
Turnover insurance
When a collector leaves, nothing is lost. Strategy, knowledge, and history live in the platform.
Compliance without a committee
The engine tracks federal and state rules, so your compliance officer reviews exceptions instead of everything.
Grow without hiring
Portfolio doubles? Add accounts, not people. Plans scale from 50 to unlimited collections.
Ready to move on from your in-house collections team?
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
Connect your systems
Delinquent accounts sync from your LOS, billing, or core. Your team gets workspace seats.
- 02
AI takes the routine
Reminders, questions, plans, and payments run automatically. Escalations land in collector queues.
- 03
Your team does the hard part
Collectors handle hardship, disputes, and negotiations with AI assistance and full context.
The in-house team is not the problem. The dialer is.
Organizations that collect in-house do it for good reasons: control over tone, direct customer relationships, and compliance visibility. The problem is that the work is mostly wasted. A collector on a dialer makes 150 attempts a day and reaches a handful of people. The rest of the day is voicemails, wrong numbers, and notes. Growing recovery means hiring, training, and managing more collectors, with turnover rates that make the investment leak constantly. Meanwhile, accounts that do not fit in the day simply age.
HL Hunt keeps everything good about in-house collections and removes the waste. The AI handles the outreach volume across channels that actually reach people, answers routine questions, sets up plans, and takes payments. Your collectors receive only the conversations that need a human, with the full history in front of them and AI assistance during the call. The compliance engine applies policy on every contact, so consistency stops depending on who is having a bad day.
The result is a smaller, more senior, less stressed team covering a much larger portfolio with better outcomes. Growth stops requiring headcount. Turnover stops costing institutional knowledge. And compliance review shifts from sampling every collector's calls to reviewing the exceptions the system flags.
What changes
HL Hunt vs In-House Collections Team, side by side
| HL Hunt | In-House Collections Team | |
|---|---|---|
| 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 In-House Collections Team 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 In-House Collections Team 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 In-House Collections Team 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 In-House Collections Team FAQ
Will we need to lay off collectors?
Most clients do not. They redeploy collectors to escalations, hardship, and higher-value accounts, and stop backfilling turnover. Some grow the portfolio without growing the team.
How is this different from a dialer or collections CRM?
Dialers and CRMs are tools your team uses to do the work. HL Hunt does most of the work: outreach, conversation, negotiation, payment, and compliance, with your team handling exceptions.
Can we keep our existing phone system and CRM?
Yes. HL Hunt integrates with existing telephony and syncs with your systems of record. Many clients retire redundant tools over time, but it is not required.
How long does it take to see results?
Outreach begins within hours of connecting accounts. Most clients see measurable recovery lift within the first 30 days and collector time savings immediately.
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.