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Escalation Waterfalls

Gentle reminder to firm notice to call to letter. All timed by AI.

Waterfalls define the shape of an outreach sequence. AI decides the timing and the specifics for each account inside that shape, reacting to opens, replies, promises, and silence, and never exceeding a compliance cap at any stage.

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  • Free plan, no credit card
  • FDCPA, TCPA & Reg F enforced
  • Outreach live in under an hour
  • Commission only on recoveries
Auto
Timing per step, per account
4–9
Touches in a typical waterfall over 30 days
100%
Steps checked against caps before execution
Any
Number of waterfalls per portfolio or debt type

What Escalation Waterfalls gives you

  • Visual waterfall builder

    Define stages, allowed channels per stage, offer rules, and exit conditions. Start from templates for early-stage, pre-charge-off, post-charge-off, and legal pre-placement.

  • AI-timed steps

    You set the bounds; the engine picks the exact day and hour for each debtor based on engagement history and the compliant window.

  • Engagement-aware branching

    An opened email, a clicked plan link, a reply, or a partial payment moves the account down a different path than silence. No more sending reminder three to someone who paid after reminder one.

  • Hard stops built in

    Disputes, stop requests, bankruptcy, deceased flags, attorney representation, and completed payments exit the waterfall instantly and permanently.

  • Tone progression controls

    Set how firm messaging may become at each stage, and require review before any stage that references credit reporting or legal remedies.

  • Outcome analytics per stage

    See where accounts resolve, where they stall, and which steps carry the most value, then let the AI or your team adjust the waterfall.

Start using Escalation Waterfalls today.

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

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How it works

  1. 01

    Choose or build a waterfall

    Assign waterfalls to portfolios, debt types, or score bands. Templates cover the common cases and are editable.

  2. 02

    Accounts flow through

    Each account enters at the right stage for its age and status. AI executes steps inside the allowed channels, times, and tones.

  3. 03

    Branches and exits apply automatically

    Engagement moves accounts forward or sideways. Restricted statuses remove them. Completed payments close them.

Structure from you, judgment from the machine

Every collection team already has a cadence, usually encoded in a dialer campaign and a letter series: day 1 letter, day 5 call, day 10 call, day 15 letter. The problem is not the idea of a cadence. It is that a fixed cadence treats a debtor who opened the first email and clicked the plan link the same as a debtor who has never engaged, and sends both the same day-10 call. It also tends to run at the frequency limit for every account, which is expensive and alienating.

HL Hunt waterfalls keep the structure teams rely on and add judgment inside it. You define stages, the channels allowed at each stage, the tone ceiling, the offer rules, and the branching logic. The AI decides, per account, exactly when each step should happen and what the message should say. A debtor showing intent gets a faster, more helpful follow-up. A debtor showing nothing gets a measured escalation that does not waste capped attempts. Everyone exits the moment a payment, a dispute, or a restricted status appears.

Because every step passes through the compliance engine before execution, waterfalls cannot violate frequency caps, timing rules, or consent requirements regardless of how they are configured. And because every stage reports its own outcomes, waterfalls get better over time. Teams typically find that a shorter, smarter waterfall recovers more than a longer, louder one.

What changes

HL Hunt vs the traditional approach

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 HL HuntTraditional collections
Escalation WaterfallsIncluded 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.

Escalation Waterfalls 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

Escalation Waterfalls 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.

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Get started

Go live with Escalation Waterfalls 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.

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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

Escalation Waterfalls FAQ

Can I use different waterfalls for different debt types?

Yes. Waterfalls can be assigned by portfolio, debt type, delinquency stage, state, or collectability score band, and an account moves between them as its status changes.

What if a waterfall I design would exceed the 7-in-7 call limit?

The compliance engine will not execute a step that breaches a cap. The builder also warns you at design time when a configuration could approach limits.

How does the AI decide timing within a stage?

From the debtor's historical engagement times, portfolio patterns, the compliant contact window in their time zone, and the engagement signals since the last step.

Can a human intervene mid-waterfall?

Yes. Agents can pause, redirect, or take over any account from the workspace, and any manual contact is logged and counted toward frequency caps.

Still have questions?

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

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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.

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