Multi-channel Outreach
Five channels. One platform. One compliance engine.
SMS, email, AI voice calls, voicemail drops, and physical letters, coordinated per account so a debtor never gets a text and a call about the same thing on the same morning. Every channel runs through the same rules and the same timeline.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 5
- Channels, plus the payment portal
- 1
- Timeline per account across every channel
- 98%
- SMS open rate within 3 minutes
- 0
- Channels outside the compliance engine
What Multi-channel Outreach gives you
SMS with consent tracking
Two-way texting with keyword opt-out, link tracking, and TCPA consent stored per number. The highest-engagement channel, used only where it is permitted.
Email with required disclosures
Reg F-compliant email with clear opt-out, validation notice delivery, plan links, and engagement tracking that feeds back into the outreach engine.
AI voice calls and live handoff
Natural-language calls that identify, disclose, answer questions, and take payments, with instant transfer to a human agent when the debtor asks or the situation calls for it.
Voicemail drops
Reg F limited-content messages delivered to voicemail without ringing, counted against frequency caps, and timed to the debtor's window.
Letters and validation notices
Print-and-mail with address verification, model validation notice formatting, tracked delivery, and automatic resend on return mail.
Coordinated, not parallel
A single account timeline means channels hand off to each other. An opened email delays the planned call. A clicked plan link cancels the letter. Nothing doubles up.
Start using Multi-channel Outreach 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
Channels are enabled per portfolio
Turn on the channels your consent data and licenses support. The outreach engine only chooses among the channels allowed for each account.
- 02
AI sequences the touches
The escalation waterfall moves from the gentlest effective channel to firmer ones, reacting to engagement at every step.
- 03
Everything lands in one record
Texts, emails, call transcripts, voicemail drops, and letter images are all on the account, searchable and exportable.
The channel is the message
Debtors are people with preferences, and those preferences are strong. Some will never answer an unknown number but respond to a text within minutes. Some ignore texts and act only on a letter that itemizes the debt. Some need to talk to someone. A collection operation that lives on a dialer reaches only the slice of debtors who still answer phones, and it reaches them in the way most likely to feel like harassment.
HL Hunt runs all five channels from one platform, but the important part is coordination. Each account has one timeline, and every channel reads from and writes to it. That is what allows the outreach engine to use a gentle email as a first touch, follow with a text only if the email was opened but not acted on, drop a voicemail if the text got no reply, and reserve a live call for the debtors who have shown intent but not completed. It is also what prevents the classic failure mode of a letter, a text, and a call all landing on the same day.
Running every channel through one compliance engine matters just as much. Frequency caps in Regulation F count across all attempts, not per channel. Time-of-day rules apply to texts and emails as well as calls. Opt-outs on one channel often imply restrictions on others. When channels run on separate systems, those rules get enforced inconsistently or not at all. On HL Hunt, they are enforced once, for everything.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Multi-channel Outreach | 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.
Multi-channel Outreach 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
Multi-channel Outreach 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 Multi-channel Outreach 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
Multi-channel Outreach FAQ
Do I need consent to text or email debtors?
Texts to mobile numbers using automated systems generally require prior express consent under the TCPA. Email under Regulation F requires an opt-out mechanism and reasonable procedures. HL Hunt tracks consent per contact point and only uses channels where the basis exists.
Can I turn off a channel for a specific portfolio or state?
Yes. Channels can be enabled or disabled per portfolio, per debt type, and per state, and the compliance engine adds its own restrictions on top.
How do voicemail drops comply with Regulation F?
Drops use the limited-content message format defined in Regulation F, which includes only the permitted elements and is not a communication under the FDCPA. Each drop is still counted toward call frequency limits.
Who prints and mails the letters?
HL Hunt handles print, mail, and address verification through vetted mail vendors. Letter images and delivery status are attached to the account record.
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.