Debt buyers
Liquidate purchased portfolios with data, not guesswork.
Purchased debt lives or dies on liquidation curves and documentation. HL Hunt scores every account on day one, works them at scale with AI, enforces documentation and state debt buyer rules, and shows you exactly what to work, hold, resell, or place.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- Day 1
- Collectability score on every purchased account
- +38%
- Liquidation vs. industry average
- Docs
- Chain-of-title and media checks before contact
- Live
- Liquidation curves by portfolio and vintage
Why debt buyers teams choose HL Hunt
Portfolio scoring on purchase
Expected recovery and propensity per account inform work strategy, settlement floors, and resale decisions from the start.
Documentation enforcement
Chain of title, account-level media, and itemization requirements verified before outreach, per state debt buyer laws.
Time-barred debt handling
Statute of limitations calculated per account and state, with required disclosures and no suits or threats on out-of-statute debt.
AI liquidation at scale
Every account worked across channels with tuned offers. Settlement authority flexes with expected value.
Legal placement decisioning
Identify accounts suitable for legal channels with documentation complete and economics justified.
Resale and reporting
Portfolio-level analytics for what to resell and at what price, with the data room a buyer will expect.
Ready to run debt buyers collections on HL Hunt?
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
Load the portfolio
Import purchased accounts with media and chain-of-title documents. Validation flags gaps before any contact.
- 02
AI scores and works
Strategy and intensity follow score. Outreach, negotiation, and payments run across channels within every rule.
- 03
Decide with data
Liquidation curves, cohort performance, and legal-eligibility views drive work, hold, resell, and placement decisions.
Documentation is the whole game now
Debt buying used to be about buying cheap and dialing hard. Regulation F, state debt buyer statutes, and years of litigation changed that. Today a buyer must be able to prove ownership through a complete chain of title, produce account-level media on request, correctly identify time-barred debt and disclose it, and document every contact. Buyers who cannot do that face dismissed suits, regulatory action, and portfolios that cannot be resold.
HL Hunt builds those requirements into the workflow. Portfolios are validated on import: missing media and title gaps are flagged, statute of limitations is calculated per account and state, and accounts that cannot lawfully be worked are held. The AI then liquidates the rest with scoring that puts effort where expected value is highest and settlement authority that reflects what each account is actually worth.
The analytics layer gives buyers what they rarely have: a live, cohort-level view of liquidation against purchase price, with the ability to identify accounts for legal placement where documentation is complete and economics justify it, and to package tranches for resale with the performance data a sophisticated buyer will demand.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Debt Buyers fit | Configured for your laws, systems, debtors, and tone | Generic agency or software that does not know your product |
| 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.
Debt Buyers 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
Debt Buyers 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 Debt Buyers 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
Debt Buyers FAQ
How is statute of limitations handled?
Calculated per account from the applicable state and debt type, with time-barred accounts flagged, required disclosures added to communications, and legal action and threats blocked.
Can we work accounts missing media?
Policy is yours, but the platform flags accounts missing required documentation and can hold them from outreach until media is obtained, which is required in several states.
Does HL Hunt support legal placement?
Yes. Accounts meeting your documentation and economic criteria can be identified and exported to counsel or law firm partners with complete histories.
How do you support resale?
Portfolio and tranche analytics, performance by cohort, and account-level histories export in formats buyers expect for diligence.
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.