HL Hunt vs a traditional collection agency.

The traditional agency model makes intuitive sense: you pay only on what is recovered, so there is no risk. But the fee is large, typically 25 to 35 percent for fresh accounts and up to 50 percent for older ones, and what it buys is a dialer floor working your accounts alongside everyone else's. Agencies optimize for their own economics, which means working the biggest balances hardest and letting small ones age. Your customers hear from a stranger in a tone you did not approve. You find out what happened in a monthly report, and if the agency violates the FDCPA, the liability often flows back to you.

HL Hunt replaces the agency with a platform. AI works every account through the channels that actually reach people, with tone and content you approve and timing tuned per debtor. Recovery rates run well above agency averages because more accounts are reached, more offers are made, and more debtors can resolve on their own through the portal. Commission runs 3 to 26 percent depending on plan, and you see everything in real time, including every compliance check on every contact.

The economics compound. A lender recovering $1 million a year through agencies at 30 percent pays $300,000. On HL Hunt at Scale, the same recovery costs $65,000 plus $7,788 in subscription, and the recovery itself is likely higher. Most clients find the platform pays for itself in the first month of a parallel test.