Debtor payment portal
Let debtors resolve their account without talking to anyone.
More than half of payments on HL Hunt happen in the portal, most of them outside business hours. Debtors tap a link from a text, email, or letter, verify who they are, see exactly what they owe and why, and pick a way to pay that works for them. No login to forget, no hold music, no awkward conversation.
What debtors can do
- Verify identity with two factors (last-four SSN, date of birth, ZIP, or one-time code) before anything is shown
- See an itemized balance from the original creditor, with the itemization date and every fee, interest charge, payment, and credit since
- Pay in full by card, debit, ACH, Apple Pay, or Google Pay
- Choose a payment plan from options you authorize, with the amount and date they prefer
- Accept a settlement offer, or counter within the range you set
- Enroll in autopay and manage stored payment methods
- Dispute the debt or request validation with a guided form that records the dispute properly
- Update contact details, set channel preferences, or opt out of a channel
- Download receipts, plan agreements, and a paid-in-full letter the moment the last payment clears
- Switch to Spanish and other languages, or request a live agent
Built for conversion
The portal is designed like a modern checkout, not a legacy payment form. One page, large touch targets, saved progress, and plan options presented as cards with monthly amounts so the debtor can see what fits. Balance and plan choices are pre-filled from the conversation they just had with the AI, so a debtor who agreed to $150 a month by text sees that plan waiting for them. Completion rates run two to three times higher than portals that require registration.
Your brand, your tone
The portal runs on your domain (pay.yourbrand.com) with your logo, colors, and copy. Creditors keep the relationship they already have. Agencies can run a portal per client. Every required disclosure is included automatically based on the account's state and status, and the mini-Miranda, validation rights, and time-barred language appear where the law requires them.
Compliance and security
- Identity verification
- Two-factor before any debt information is displayed, satisfying third-party disclosure rules.
- Disclosures
- State-specific notices, validation rights, and time-barred disclosures rendered automatically.
- Disputes
- Guided dispute capture that pauses collection and starts the validation workflow instantly.
- Payments
- PCI DSS Level 1 processing; card data never touches HL Hunt servers.
- Accessibility
- WCAG 2.2 AA, screen reader tested, mobile first.
- Audit trail
- Every view, click, agreement, and payment is logged against the account timeline.
How it connects
Every text, email, and letter the platform sends includes a unique portal link. Payments, plan enrollments, disputes, and preference changes post back to the account in real time, trigger webhooks, and update your system of record through the API or connector. The AI knows what the debtor did in the portal, so a follow-up conversation picks up where they left off.
Frequently asked questions
Do debtors need to create an account?
No. They open a unique link and verify identity. Returning debtors can request a fresh link by text or email at any time.
Can I control which plans and settlements are offered?
Yes. You set minimum payments, maximum terms, settlement floors, and whether debtors can counter, per portfolio or per account segment.
Does the portal work for agencies with many clients?
Yes. Each client can have its own branded portal on its own subdomain, with its own disclosures and payment routing.
What happens when a debtor disputes in the portal?
Collection on that account pauses immediately, the dispute is recorded with a timestamp, and the validation workflow starts. Your team is notified.
Start recovering more today.
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