Compliance: Bankruptcy & Deceased Accounts
The two statuses that must stop everything.
Contacting a debtor in bankruptcy violates the automatic stay. Contacting a deceased debtor's family requires specific care under Reg F and state probate law. HL Hunt scrubs every account continuously, holds affected accounts instantly, and routes them to the correct workflow.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- Daily
- Bankruptcy and deceased scrubs
- Instant
- Hold on match
- Stay
- Violation exposure eliminated
- Estate
- Probate workflows for deceased accounts
How HL Hunt enforces Bankruptcy & Deceased Accounts
Continuous bankruptcy scrub
Accounts checked against PACER and bankruptcy data at placement and daily thereafter. Matches hold immediately.
Chapter-specific handling
Chapter 7 discharge, Chapter 13 plan, and dismissal outcomes tracked with appropriate account actions, including proof of claim support.
Discharge compliance
Discharged debts are closed and never collected or reported as owed, avoiding discharge injunction violations.
Deceased scrub
Death records checked continuously. Matches hold outreach and route to estate workflow.
Estate communication rules
Reg F permits contact with the executor or administrator. HL Hunt identifies the right party and applies probate claim timelines by state.
Family protection
No collection pressure on surviving family members who are not legally responsible, with clear scripts for inbound calls.
Stop worrying about Bankruptcy & Deceased Accounts. Let the engine enforce it.
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
Scrubbed at placement and daily
Bankruptcy and deceased data sources checked for every active account.
- 02
Held and classified
Matches hold outreach instantly and classify by chapter, status, or estate stage.
- 03
Routed appropriately
Bankruptcy accounts follow trustee and discharge rules; deceased accounts follow estate claim procedures.
What happens when a debtor files or dies
When a debtor files for bankruptcy, the automatic stay under 11 U.S.C. 362 immediately prohibits collection activity of any kind: calls, letters, texts, credit reporting as a collection tactic, and lawsuits. Violations can result in actual damages, punitive damages, and attorney fees, and willful violations are sanctioned harshly. After discharge, the discharge injunction permanently bars collection of discharged debts. Collectors learn of filings through notices, debtor statements, or data scrubs, and a day of delay can mean a violation.
When a debtor dies, the debt generally does not die with them but becomes a claim against the estate. Regulation F clarified that collectors may communicate with the executor, administrator, or personal representative, and in some cases a surviving spouse or parent of a minor, about the debt. Family members who are not legally responsible must not be pressured to pay. State probate law sets claim deadlines, often short, after which the claim may be barred. Handling these accounts requires identifying the right party and the right timeline.
HL Hunt scrubs every account against bankruptcy and death records at placement and daily. A bankruptcy match holds all outreach instantly, classifies the chapter and status, and tracks the case through discharge or dismissal, supporting proof of claim filing where appropriate. Discharged accounts are closed permanently. A deceased match holds outreach and routes to an estate workflow that identifies the personal representative, applies the state's probate claim timeline, and communicates only with authorized parties. Inbound calls from grieving family members reach scripts that are respectful and legally correct.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Bankruptcy & Deceased Accounts | Encoded as rules that run before every action and log every decision | Covered in annual training; violations found in audits or lawsuits |
| 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.
Bankruptcy & Deceased Accounts 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
Bankruptcy & Deceased Accounts 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 Bankruptcy & Deceased Accounts 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
- 04Your existing policies, scripts, and templates so we can map them into the rule engine
- 05Your compliance officer or counsel for a short configuration review before go-live
Bankruptcy & Deceased Accounts FAQ
How quickly are bankruptcy filings detected?
Daily scrubs against bankruptcy data sources, plus immediate holds when a debtor or attorney reports a filing through any channel.
Can we file a proof of claim?
Yes. HL Hunt provides the account documentation and deadlines, and can integrate with proof-of-claim filing services for Chapter 13 and asset Chapter 7 cases.
Who can we contact about a deceased debtor's debt?
Under Reg F, the executor, administrator, or personal representative of the estate, and in limited cases a surviving spouse or a parent of a deceased minor. HL Hunt identifies these parties and restricts contact accordingly.
What if a family member calls about a deceased relative's debt?
Inbound handling provides accurate information about the estate process without pressuring anyone not legally responsible, and captures representative information if offered.
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.