AI Outreach Engine
AI decides when, how, and what to say. Automatically.
Our models analyze payment history, channel preference, response patterns, and account context to craft the optimal outreach strategy for every single account. The right message, on the right channel, at the moment each debtor is most likely to respond.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- +41%
- Response rate from optimal channel selection
- 2.3x
- Open rate with best-time-to-contact
- 100%
- Messages checked for compliance before send
- <1 hr
- From account upload to first outreach
What AI Outreach Engine gives you
Optimal channel per debtor
AI picks SMS, email, voice call, voicemail drop, or letter for each account based on response likelihood, consent on file, and what the law allows in that state.
Personalized message generation
Every message is written for the specific debtor, balance, and stage: tone, length, and offer all adapt. Every draft passes the compliance engine before it leaves.
Best-time-to-contact intelligence
Sends land when each debtor historically opens, replies, or pays, inside the legal 8am to 9pm window in the debtor's own time zone.
Self-tuning strategies
Outcomes feed back into the model. If a portfolio responds better to email on Tuesdays with a plan offer, the engine learns it within days, not quarters.
Offer optimization
AI tests settlement percentages and plan structures across cohorts and converges on the offer that maximizes net recovery, not just contact rate.
Full audit trail
Every decision, from why SMS was chosen to which compliance rules were checked, is logged against the account for examiners, auditors, and your own QA.
Start using AI Outreach Engine 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
Account is placed
Upload a CSV, push through the API, or sync from your loan system. Balance, debtor details, consent flags, and history arrive together.
- 02
AI builds a strategy
The engine scores collectability, chooses the opening channel and time, drafts the first compliant message, and schedules the escalation waterfall.
- 03
Outreach runs and adapts
Replies, opens, clicks, and payments change the plan in real time. A debtor who clicks a plan link gets a follow-up tailored to that plan, not a generic reminder.
Why outreach strategy, not effort, decides recovery rates
Traditional collections treat every account the same: a dialer campaign, a letter series, a script. The result is predictable. Debtors who would have paid after a well-timed text get called at dinner and stop answering. Debtors who needed a payment plan get a demand for the full balance and go silent. The industry average recovery rate of roughly 20 percent is not a ceiling imposed by debtors. It is the output of a strategy that ignores them.
HL Hunt treats each account as its own optimization problem. The engine considers the debtor's channel history, the day and hour they have engaged before, the balance relative to similar accounts, how long the account has been delinquent, the original creditor relationship, and the legal constraints of their state. From that it selects a channel, a time, a tone, and an offer, then watches what happens and updates. Across portfolios, this is what produces a 38 percent lift in recovery versus the industry average.
Just as important is what the engine will not do. It will not send a text to a number without consent. It will not place an eighth call in seven days. It will not contact someone who has disputed, asked for validation, invoked a cease and desist, or been flagged as represented by counsel or in bankruptcy. Compliance is not a filter applied after the fact; it is a constraint inside the optimization, which is why aggressive recovery and zero violations are not in tension on HL Hunt.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| AI Outreach Engine | Included on every plan, from Free to Enterprise | Add-on module, third-party vendor, or not available |
| 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.
AI Outreach Engine 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
AI Outreach Engine 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 AI Outreach Engine 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
AI Outreach Engine FAQ
How does the AI decide which channel to use?
It combines the debtor's historical response data, the consent and contact information on file, the stage of delinquency, the balance, and the rules that apply in the debtor's state. For new accounts with no history, it starts from portfolio-level patterns and adapts after the first interaction.
Can I control the tone or restrict certain messages?
Yes. You set brand voice guidelines, approved and prohibited phrases, offer limits, and escalation boundaries. The AI generates within those rails, and you can require human approval for any message type.
Does the AI write every message from scratch?
It generates each message from your approved templates and tone guide, personalized to the account. Every output is checked against FDCPA, Reg F, TCPA, and state rules before it is queued, and the exact text sent is stored on the account record.
How quickly does outreach start after I upload accounts?
Typically within the hour. The engine validates contact data, confirms the account is not in a restricted status, selects the first touch, and schedules it for the next compliant window in the debtor's time zone.
Will the AI contact debtors too often?
No. Frequency caps, including the Regulation F 7-in-7 call rule and your own stricter limits, are enforced by the compliance engine on every channel. Debtors who ask for fewer contacts or a specific channel are honored automatically.
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.