Debt type: Credit Card Debt
Card balances, recovered at every stage.
From the first missed minimum to post-charge-off recovery, HL Hunt works credit card debt with stage-appropriate strategy, settlement authority that reflects expected value, and itemization that satisfies Regulation F and survives disputes.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- +34%
- Charged-off recovery vs. agency placement
- -22%
- Roll from 30 to 60 days past due
- Reg Z
- And Reg F itemization handled
- 3 offers
- Settlement and plan options per debtor
How HL Hunt collects credit card debt
Early-stage cure
Minimum payment reminders, hardship programs, and reage offers delivered through the channels cardholders actually use.
Charge-off strategy
Separate waterfalls for post-charge-off with validation, settlement offers, and longer-horizon plans.
Settlement intelligence
AI negotiates within authority tied to collectability score, maximizing net recovery rather than offering a flat discount.
Correct itemization
Itemization date, charge-off balance, interest, fees, and credits presented per Reg F and Reg Z requirements.
Credit reporting controls
Accurate furnishing, dispute handling under FCRA, and automatic updates on payment and settlement.
Portfolio analytics
Recovery curves by vintage, score band, and strategy so you can tune settlement floors and placement timing.
Start recovering credit card debt today.
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
Place accounts
Upload a CSV, connect your system, or push credit card debt through the API with balances, itemization, and consent data.
- 02
AI runs the right strategy
Collectability scoring sets intensity, the waterfall picks channels, and every contact is checked against the rules that apply to this debt type.
- 03
Resolve and sync
Payments, plans, disputes, and status updates flow back to your system in real time with full audit trails.
Card debt is the industry's largest category, and the most commoditized
Credit card debt accounts for the largest share of consumer collections volume in the United States. It is also the category where traditional practices are most entrenched: charge off at 180 days, place with an agency or sell to a buyer, accept 10 to 15 percent liquidation, and move on. The result is enormous value left behind, both before charge-off, where early intervention could cure accounts, and after, where agencies work only the largest balances.
HL Hunt treats card debt as two distinct problems. Before charge-off, the goal is cure: reach cardholders early through text and email with a clear picture of what is due, offer hardship programs and reage options, and keep them paying. The AI times outreach to when each cardholder responds and escalates only as risk increases. After charge-off, the goal is net recovery: validate correctly, offer settlements and plans sized to each debtor's ability to pay, and work every account rather than just the large ones.
Compliance runs through both. Regulation Z disclosures, Regulation F itemization and validation, FCRA furnishing accuracy, state interest and fee limits after charge-off, and statute of limitations tracking are all applied per account. The result is higher recovery at both stages with a record that holds up to disputes, audits, and litigation.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Credit Card Debt rules | Type-specific laws, itemization, and strategy applied automatically | One generic workflow for every debt |
| 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.
Credit Card Debt 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
Credit Card Debt 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 Credit Card Debt 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
Credit Card Debt FAQ
How does itemization work for credit card debt under Reg F?
The validation notice must state the balance as of an itemization date (typically charge-off or last statement) and itemize interest, fees, payments, and credits since. HL Hunt populates this from your account data automatically.
Can the AI offer settlements?
Yes, within authority you set, which can vary by collectability score, balance, and age. The AI presents options and negotiates toward the best net outcome.
Do you handle both first-party and third-party card collections?
Yes. Issuers use HL Hunt for pre- and post-charge-off first-party work; agencies and buyers use it for third-party collection with the appropriate disclosures.
How does statute of limitations apply to card debt?
It varies by state, typically three to six years from the last payment or default. HL Hunt calculates it per account and adds required time-barred disclosures when applicable.
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.