Compare
HL Hunt vs legacy collection software.
Legacy collection systems were built for a world of dialers, letters, and agents reading scripts. They store data and schedule calls; they do not reach anyone. HL Hunt is AI-native: it decides, contacts, converses, negotiates, and complies, and it integrates in days rather than months.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
| Feature | HL Hunt | Legacy software |
|---|---|---|
| Who does the work | AI agents work accounts end to end | Your staff, using the tool |
| Channels | SMS, email, voice, letters, portal, unified | Dialer plus bolt-on vendors |
| Compliance rules | Maintained by HL Hunt, updated continuously | Configured and maintained by you |
| Implementation | Same-day; CSV, API, or connector | Months of professional services |
| Pricing | Published plans, no setup fees | Per-seat licenses, implementation fees |
| Debtor experience | Conversational, self-service portal | Scripted calls, mailed letters |
| API | Modern REST, webhooks, SDKs, MCP | SFTP files, limited or no API |
- Days
- To go live vs months of implementation
- $0
- Setup and implementation fees
- AI
- Does the work, not just records it
- Live
- Rule updates without a release cycle
Why teams switch to HL Hunt
Works the accounts, not just tracks them
Legacy systems queue accounts for humans. HL Hunt contacts, converses, negotiates, and collects, then shows humans the exceptions.
Modern channels, native
Two-way SMS, email, AI voice, and a self-service portal are core, not bolted on through third-party modules.
Compliance in the engine
Rule checks run on every contact in real time. Legacy systems rely on configuration, scripts, and audits after the fact.
No implementation project
Connect by API, connector, or CSV and start the same day. No six-month rollout, no consultants.
Transparent pricing
Published plans from free to enterprise. No per-seat licensing stacks, no module fees, no annual lock-in.
Continuous improvement
Models learn from every outcome. Rules update as laws change. No waiting for the next release.
Ready to move on from your legacy collection software?
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
Export from your legacy system
Accounts, histories, and notes export by file or API. We map them into HL Hunt.
- 02
Run in parallel
Work a slice of inventory on HL Hunt while the legacy system continues. Compare results.
- 03
Cut over
Move remaining inventory, redirect integrations, and retire the legacy contracts.
A system of record is not a system of action
Legacy collection software does one thing well: it stores accounts and tracks what agents did to them. Everything else, the dialer, the letter vendor, the texting module, the payment gateway, the compliance scripts, is bolted on, often from different vendors, and all of it depends on humans to do the actual collecting. Implementations take months, pricing is per seat plus modules plus services, and the underlying model, humans working queues, is the one that has stopped performing.
HL Hunt is built on a different premise: the platform does the collecting. AI decides which accounts to contact, through which channel, when, and with what message. It holds the conversation, negotiates the plan, takes the payment, and checks every action against the law in real time. Humans supervise and handle exceptions. The channels, portal, payments, and compliance are native parts of one system, not integrations to be maintained.
Time to value is the other difference. Legacy implementations are projects with consultants and go-live dates. HL Hunt connects by API, connector, or CSV and starts outreach the same day. Pricing is published and scales with your portfolio rather than your seat count. And because the models learn from outcomes and the rules update as laws change, the platform improves continuously without a release cycle.
What changes
HL Hunt vs Legacy Collection Software, side by side
| HL Hunt | Legacy Collection Software | |
|---|---|---|
| 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 Legacy Collection Software 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 Legacy Collection Software 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 Legacy Collection Software 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 Legacy Collection Software FAQ
Can HL Hunt replace our collection system entirely?
For most organizations, yes. It holds accounts, histories, payments, and documents, runs outreach and compliance, and provides the agent workspace. Some clients keep a legacy system of record and use HL Hunt as the action layer.
How do we migrate history from our current system?
Export accounts, contact histories, notes, and payment records by file or API. We map them into account timelines so nothing is lost and compliance records remain intact.
What about our dialer contracts?
HL Hunt includes AI voice and inbound routing, so most clients retire dialers at contract end. Existing telephony can be integrated in the meantime.
Do you charge per seat?
Plans include seats, from one on Free to unlimited on Enterprise. Pricing scales primarily with active collections and recovery, not with how many people log in.
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.