AI Payment Plans
Plans debtors can actually keep.
AI proposes payment plans sized to what each debtor can realistically afford, negotiates within the limits you set, and enrolls them in autopay on the spot. Resolution rates go up because the plan fits the person, not a script.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 3
- Options presented: flexible, AI pick, pay in full
- +27%
- Resolution rate vs. full-balance demands
- -34%
- Broken promises with autopay enrollment
- 24/7
- Plans accepted by text, voice, or portal
What AI Payment Plans gives you
Affordability-based offers
Balance, debt age, prior payment behavior, and portfolio data inform a plan the debtor is likely to complete, rather than one that collapses after two installments.
Negotiation inside your guardrails
Set minimum settlement percentages, maximum terms, down-payment requirements, and approval thresholds. AI negotiates within them and escalates anything outside.
Three clear choices
Debtors see a flexible plan, an AI-recommended plan, and a pay-in-full discount, each with the exact monthly amount and number of payments. Clarity converts.
Autopay by default
Card or ACH autopay is set up at acceptance, with reminders before each draft, retry logic for failures, and automatic plan rescheduling when a debtor asks.
Promise-to-pay tracking
Every promise is tracked to the day. Missed payments trigger a tailored, compliant follow-up instead of restarting the whole collection cycle.
Settlement letters and receipts
Plan confirmations, settlement-in-full letters, and payment receipts generate automatically with the required disclosures and land in the debtor portal.
Start using AI Payment Plans 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
Debtor engages
From a text link, a voice call, or the payment portal, the debtor indicates they want to resolve the balance.
- 02
AI presents and negotiates
Three plan options appear. If the debtor counters, AI evaluates the offer against your rules and either accepts, counters, or routes to a human.
- 03
Plan runs on autopay
Payments draft on schedule, receipts send, and your system of record updates. Completed plans close the account and trigger credit reporting updates if enabled.
Why affordability beats pressure
The traditional collections playbook treats a payment plan as a concession to be avoided. Agents are trained to demand payment in full, then settle only when the debtor pushes back. The result is a large population of debtors who could have paid something, were asked for everything, and paid nothing. Among those who do agree to plans under pressure, a large share break them within the first three payments because the amount was never realistic.
HL Hunt flips the sequence. The AI starts from what the data says this debtor can sustain and builds options around it. A $1,080 balance might be offered as $95 a month for twelve months, $180 a month for six, or $1,026 today with a 5 percent discount. The debtor picks, the plan goes on autopay, and the expected value to the creditor is higher than a full-balance demand that goes unanswered.
Because every plan is negotiated inside guardrails you define, you keep control of economics and policy. Minimum settlement percentages can vary by debt age and type. Hardship flags can unlock longer terms. Plans below a threshold can require human approval. And because the compliance engine reviews every plan communication, offers are always accurate, never misleading, and documented in writing.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| AI Payment Plans | 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 Payment Plans 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 Payment Plans 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 Payment Plans 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 Payment Plans FAQ
How does the AI know what a debtor can afford?
It uses the balance, delinquency age, prior payment behavior on this and similar accounts, portfolio-level completion data, and any hardship information the debtor shares. It does not pull credit or income data unless you integrate a permitted source.
Can debtors propose their own plan?
Yes. Debtors can counter by text, voice, or portal. The AI evaluates the counter against your settlement floors and term limits and either accepts, proposes a middle option, or hands off to an agent.
What happens when an autopay payment fails?
The platform retries on a compliant schedule, notifies the debtor by their preferred channel, and offers a one-tap reschedule. Repeated failures escalate to a human review queue rather than restarting the collection cycle.
Are settlement-in-full letters generated automatically?
Yes. When a settled plan completes, a settlement-in-full letter with the required disclosures is generated, delivered to the debtor portal and by their preferred channel, and stored on the account.
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.