Collectability Scoring
Know which accounts will pay before you spend a dollar.
Every placed account gets an AI score from 0 to 100 for likelihood and expected value of recovery, refreshed as new signals arrive. Strategy, channel mix, settlement authority, and human attention all follow the score.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 0–100
- Score on every account, refreshed daily
- +22%
- Net recovery from score-driven prioritization
- 60%
- Less agent time on low-yield accounts
- Live
- Scores update on every engagement event
What Collectability Scoring gives you
Propensity and expected value
Two numbers per account: how likely it is to pay and how much you should expect to recover, so a 90-score $200 balance and a 40-score $9,000 balance are each handled correctly.
Strategy assignment
High scores get light-touch, low-cost digital outreach. Mid scores get the full waterfall. Low scores get limited effort and periodic re-scoring instead of burning agent time.
Settlement authority by score
Let AI offer deeper settlements where the expected value is low and hold firm where recovery is likely. Guardrails stay yours; the math gets smarter.
Work, hold, or sell
Portfolio-level views of expected recovery help you decide what to keep working, what to park, and what to price for sale or legal placement.
Explainable factors
Every score shows its drivers: balance, delinquency age, engagement, payment history, contact data quality, and debt type. No black box for your QA or your auditors.
Portfolio benchmarking
Compare your scores and outcomes against anonymized platform benchmarks for the same debt type and age to see where you stand and what to change.
Start using Collectability Scoring 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
Score on placement
The model scores each account from the data you provide plus enrichment results, before any outreach begins.
- 02
Strategy follows score
The outreach engine selects the channel mix, intensity, and offer structure appropriate to the score band and debt type.
- 03
Scores evolve
Opens, clicks, replies, promises, payments, disputes, and skip trace results all update the score and can move an account between strategies.
Effort is finite. Point it at the right accounts.
A collection operation has a fixed amount of attention: so many agent hours, so many call attempts under the frequency cap, so many letters in the budget. The portfolio does not care. It arrives as a flat list of accounts, and the default is to work it top to bottom or by balance. Both approaches spend scarce effort on accounts that will never pay and under-serve accounts that would pay quickly with the right nudge.
HL Hunt scores every account on placement and keeps scoring it. The model draws on balance, debt type, delinquency age, prior payment behavior, contact data quality, engagement with outreach, and patterns learned across millions of accounts on the platform. The outputs are a propensity to pay and an expected recovery, and those two numbers drive everything downstream: which channel to lead with, how intense the waterfall should be, how much settlement authority the AI has, and whether a human should ever touch the account.
The scoring is explainable by design. Every score displays its contributing factors, and every strategy change caused by a score change is logged. That transparency matters for fair lending and disparate impact reviews, for client reporting if you are an agency, and for your own confidence that the model is doing what you think it is doing.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Collectability Scoring | 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.
Collectability Scoring 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
Collectability Scoring 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 Collectability Scoring 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
Collectability Scoring FAQ
What data does the collectability model use?
Account data you provide (balance, debt type, dates, payment history), enrichment and verification results, engagement with HL Hunt outreach, and anonymized patterns across similar accounts on the platform. It does not use protected class information.
Can I override a score or strategy?
Yes. You can pin an account to a strategy, adjust settlement authority, or route it to a human queue regardless of score. Overrides are logged.
How is the model reviewed for fairness?
Inputs exclude protected characteristics, scores are explainable at the account level, and portfolio-level outcome distributions are available for your fair lending and compliance reviews.
Does scoring help with deciding to sell debt?
Yes. Expected recovery at the portfolio level, by cohort, gives you a data-driven basis for what to keep working and what to price for sale or legal placement.
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.