Every debt type has its own rules. We know them.

A charged-off credit card, a hospital bill, a move-out balance, a missed BNPL installment, and a past-due commercial invoice are all debts, but almost nothing about collecting them is the same. The laws differ: medical debt has bureau exclusions and state statutes, auto loans have right-to-cure requirements, commercial invoices are outside the FDCPA, student loans have servicing laws. The debtors differ in how they respond, what they can afford, and what tone works. The itemization and documentation requirements differ. Even the systems of record differ.

HL Hunt treats debt type as a first-class attribute that drives strategy, compliance rules, messaging, and plan logic. A medical account automatically gets financial assistance screening and reporting exclusions; an auto account gets state cure notices; a commercial invoice gets AP contact routing and professional tone. The pages below explain how each debt type is handled, which rules apply, and what recovery looks like.

Portfolios with mixed debt types are common and fully supported. Each account follows the rules for its type while you see one portfolio, one dashboard, and one set of reports.