HL Hunt — AI Debt Collection
AI-Powered Recovery

AI Debt
Collection.

by HL Hunt — Recover more, compliantly

AI that knows when to call, text, email, or send a letter — and exactly what to say. Higher recovery rates, full FDCPA/TCPA/Reg F compliance, and zero agent burnout.

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Trusted by creditors — recovering millions in past-due accounts
$2.4K
Just recovered
38%↑
Recovery rate
HL Hunt Collections
ActiveResolvedAnalytics
DP
David Park
Acct #8842 · Personal Loan · 62 days past due
Past Due
Balance Due
$4,280
AI Score
82/100
Best Channel
SMS
AI Collection Timeline
AI sent personalized SMS reminder2h ago
Email with payment plan options sent1d ago
Debtor opened email — clicked plan link1d ago
Follow-up call scheduled by AITomorrow
AI contact optimization
FDCPA compliant
TCPA compliant
Reg F compliant
Multi-channel outreach
Payment plan AI
Skip tracing
AI contact optimization
FDCPA compliant
TCPA compliant
Reg F compliant
Multi-channel outreach
Payment plan AI
Skip tracing

Recover more with less effort

AI-driven strategies that adapt to each debtor — the right message, right channel, right time

38%
Higher Recovery Rate
60%
Less Agent Time
0
Compliance Violations
24/7
AI Never Sleeps
Platform

AI collection, end to end

From first contact to payment resolution — AI manages the entire collection lifecycle while staying fully compliant

AI decides when, how, and what to say — automatically

Our models analyze debtor behavior, payment history, channel preference, and response patterns to craft the optimal outreach strategy for every single account.

Optimal channel selection per debtor
AI picks SMS, email, call, or letter based on response likelihood
Personalized message generation
AI writes compliant messages tailored to each debtor's situation
Best-time-to-contact intelligence
Sends at the moment each debtor is most likely to respond
Escalation waterfall — auto-adjusts
Gentle reminder → firm notice → call → letter — all timed by AI

Full FDCPA, TCPA & Reg F compliance

Every contact checked against federal and state regulations in real-time. No violations, ever.

Contact frequency limits
7-in-7 rule auto-enforced
Time-of-day restrictions
Per state, per timezone
Cease & desist handling
Instant account flagging

AI payment plan negotiation

AI offers personalized payment plans based on what each debtor can realistically afford — increasing resolution rates.

Affordability-based offers
AI calculates optimal plan terms
Self-service payment portal
Debtors set up plans without calling
Auto-payment reminders
Reduce missed plan payments

Multi-channel outreach

SMS, email, calls, letters, and voicemail drops — all from one platform, all compliant.

5
Channels, one platform

Skip tracing & contact enrichment

Bad phone numbers and outdated addresses kill recovery rates. Our AI-powered skip tracing finds current contact information so your outreach actually reaches debtors.

Real-time phone & address verification
Cross-reference against multiple data sources
Email discovery & validation
Find working emails when phone fails
Right-party contact scoring
Confidence score before every outreach attempt

Recovery analytics

Real-time dashboards tracking recovery rates, agent performance, channel effectiveness, and portfolio aging.

38%
Higher recovery vs industry avg
How It Works

From placement to recovery in 4 steps

Upload your accounts, AI does the rest — outreach, negotiation, payment, and reporting.

1
Upload accounts
CSV, API, or direct LOS integration. Push delinquent accounts with balance, debtor info, and history.
2
AI builds strategy
For each account, AI scores collectability, picks the best channel, and generates compliant messaging.
3
Automated outreach
AI sends messages, makes calls, drops voicemails — escalating through channels on a smart schedule.
4
Collect & resolve
Debtors pay via portal or set up plans. AI tracks payments, sends receipts, and updates your system.

Performance-based pricing

We only win when you recover. No upfront fees, no monthly minimums.

Self-Service
$49/mo + per account
you manage, AI assists
Perfect for Small Portfolios
  • AI contact optimization
  • Email & SMS outreach
  • Compliance engine
  • Payment portal
  • Dashboard & reports
Coming Soon
Most Popular
Full AI
15% of recovered
pay only on success
Perfect for Growing Creditors
  • Everything in Self-Service
  • Fully automated collection
  • Skip tracing included
  • AI payment negotiation
  • Priority support
Coming Soon
Enterprise
Custom
volume-based pricing
Perfect for Large Portfolios
  • Everything in Full AI
  • White-label portal
  • API & LOS integration
  • Dedicated account mgr
Coming Soon

Start recovering what's owed to you

Upload your first batch of accounts and let AI handle the rest. Higher recovery rates, zero compliance risk.

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Launching soon — join the waitlist


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