Log in

Disputes & Validation

Validation and disputes handled exactly as the law requires.

Model validation notices go out with the right content and timing. Disputes, verification requests, stop requests, and attorney notices are captured from any channel, freeze outreach instantly, and move through a documented process with every deadline tracked.

Start freeLog in to your dashboard
  • Free plan, no credit card
  • FDCPA, TCPA & Reg F enforced
  • Outreach live in under an hour
  • Commission only on recoveries
100%
Accounts receive a compliant validation notice
<10 s
From dispute to outreach freeze
30 days
Validation period tracked per account
Any
Channel a dispute can arrive on and be captured

What Disputes & Validation gives you

  • Model validation notices

    Generated per account with the itemization date, itemized balance, dispute and original-creditor request prompts, the end date of the validation period, and the CFPB-required disclosures, in the Reg F model format.

  • Dispute capture everywhere

    Disputes arriving by reply text, email, portal form, voice call, or letter are detected, classified, and logged. Verbal disputes are honored as well as written ones.

  • Instant outreach freeze

    A dispute, verification request, or stop request halts collection activity on the account immediately and updates credit reporting status if enabled.

  • Verification workflow

    Request documentation from the original creditor, assemble the verification response, and deliver it to the debtor with a full record of what was sent and when.

  • Cease and desist and attorney handling

    Stop requests and notices of representation are honored per the FDCPA, with only the permitted follow-up communications allowed and counsel details stored on the account.

  • Complaint and e-OSCAR readiness

    Every dispute has a documented timeline you can export for CFPB complaints, state regulators, or credit bureau disputes under the FCRA.

Start using Disputes & Validation today.

Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.

Start freeLog in

How it works

  1. 01

    Validation notice is sent

    In the initial communication or within five days of it, by the channel the data supports, with delivery tracked.

  2. 02

    Debtor responds

    Any dispute, request, or stop instruction is captured from the channel it arrives on and classified automatically.

  3. 03

    Account follows the process

    Outreach freezes, the correct workflow starts, deadlines are tracked, and the account resumes or closes based on the outcome.

The validation period is where most compliance failures happen

The first thirty days after a collector's initial communication are governed by precise rules. The validation notice must contain specific information in a specific form. If the consumer disputes or requests the original creditor's name in writing during that period, collection must stop until verification is mailed. Under Regulation F, the notice has a model form, an itemization date, and electronic delivery requirements. Get any of it wrong and every subsequent contact becomes a violation.

HL Hunt automates the entire period. The notice is generated from the account data in the model format, delivered by a compliant channel, and tracked. The validation period end date is calculated and stored. Disputes and requests are captured no matter how they arrive, including verbal disputes on a voice call and a one-line reply to a text, and immediately change what the platform will allow on that account.

The verification workflow then produces the response: documentation request to the original creditor, assembly of the verification package, delivery to the debtor, and a record of all of it. When a dispute is resolved, outreach resumes only if the rules permit. When a cease and desist arrives, only the communications the FDCPA still allows can be sent. Every step is documented, which turns a regulatory complaint from a scramble into an export.

What changes

HL Hunt vs the traditional approach

Start free
 HL HuntTraditional collections
Disputes & ValidationIncluded on every plan, from Free to EnterpriseAdd-on module, third-party vendor, or not available
Who does the workAI contacts, converses, negotiates, and collects; humans handle exceptionsAgents on a dialer working whatever fits in the day
ComplianceEvery contact checked against FDCPA, TCPA, Reg F, and state law before it happensTraining, scripts, and audits after the fact
ChannelsSMS, email, AI voice, letters, and a self-service portal chosen per debtorPhone calls and letters on a fixed schedule
CoverageEvery account worked, including small balancesLarge balances worked; the rest ages out
VisibilityEvery message, transcript, promise, and payment live in your dashboardA monthly PDF report
CostFree to $649 a month plus 3% to 26% commission; Enterprise custom25% to 50% contingency, or seats plus modules plus services

Pricing

Start free. Pay only on what you recover.

Disputes & Validation 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.

Start freeFull pricing
$0
Free

50 active collections · 26% commission · 1 seat

$149
Basic, per month

250 active collections · 15% commission · 3 seats

$349
Growth, per month

1,000 active collections · 10% commission · 10 seats

$649
Scale, per month

5,000 active collections · 6.5% commission · 25 seats

Everything included

One platform covers all of it

Disputes & Validation 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.

Start freeSee pricing

Get started

Go live with Disputes & Validation 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.

Start freeLog in

Prefer to talk first? info@hlhunt.org

  1. 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
  2. 02Consent and contact-preference data you hold for phone numbers and email addresses
  3. 03Your legal entity, any collection licenses you hold, and the states you collect in
  4. 04Brand assets and tone preferences for outreach in your name
  5. 05Settlement authority and payment plan rules you want the AI to follow

Disputes & Validation FAQ

Does HL Hunt use the CFPB model validation notice?

Yes. Notices are generated in the Regulation F model format with account-specific itemization and dates, and include any additional disclosures required by the debtor's state.

Are verbal disputes honored?

Yes. Disputes raised on voice calls are detected, logged, and treated as disputes for purposes of halting outreach and credit reporting accuracy, in addition to written disputes that trigger the FDCPA verification requirement.

What happens to credit reporting when an account is disputed?

If you furnish to the bureaus, the account is marked as disputed in the next reporting cycle and the dispute is tracked for FCRA direct-dispute handling.

How do I respond to a CFPB or state complaint?

Export the full account timeline, including every message text, call transcript, rule check, dispute, and response, in one click. Most complaint responses can be assembled in minutes.

Still have questions?

Talk to a collections specialist, or start free and see the platform for yourself.

Email usStart free

Explore more

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.

Start freeLog in
Start free