HL Hunt’s AI Debt Collection picks the channel, writes the message and runs the compliance check
The platform automates multi-channel recovery across SMS, email, calls, letters and voicemail, on a commission model that starts free at 26% and falls to 3% at the top tier.
HL Hunt Financial’s AI Debt Collection product is pitched at the creditor rather than the borrower: a platform that takes a portfolio of past-due accounts and runs the recovery process — deciding when to make contact, which channel to use, what to say, and how to escalate — with the stated goal of raising recovery rates while keeping every contact inside federal and state debt-collection rules.
According to the company’s published materials, the system scores each account for collectability, then selects among five channels — SMS, email, phone calls, physical letters and voicemail drops — based on which a given debtor is most likely to respond to. It generates the outreach message itself, times it to a best-time-to-contact estimate, and follows a graduated escalation waterfall from gentle reminder to firmer notice to call to letter. It also offers AI-driven payment-plan negotiation, proposing installment options scaled to what a debtor can plausibly afford.
Compliance is the axis HL Hunt leans on hardest. The company states every contact is checked in real time against the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA) and the CFPB’s Regulation F — including automatic enforcement of Reg F’s seven-calls-in-seven-days contact-frequency limit, time-of-day restrictions applied per state and time zone, and instant flagging of accounts once a cease-and-desist request is received. The company advertises "zero compliance violations" as a headline outcome, which is a claim about its own record rather than an independently audited guarantee.
The product also includes AI-powered skip tracing — locating current phone numbers and addresses for debtors whose contact information is stale — with a stated 94% right-party match confidence, plus a recovery-analytics dashboard tracking recovery rate, channel effectiveness and portfolio aging. HL Hunt says accounts can be loaded by CSV, API or direct integration with a lender’s loan-origination system.
Pricing is structured as a contingency commission rather than a flat fee, which aligns HL Hunt’s revenue to dollars actually recovered. The tiers run from a Free plan at a 26% commission on recoveries (capped at 50 active collections) up through Basic ($149/mo, 15%), Growth ($349/mo, 10%) and Scale ($649/mo, 6.5%) to Enterprise ($999.99/mo, 3% commission with unlimited volume). Higher monthly fees buy a lower commission rate and larger messaging and voice-minute allowances — so the model favors high-volume creditors, for whom the falling commission outweighs the fixed monthly cost.
HL Hunt publishes performance figures including a recovery rate it describes as 38% higher than an industry average it cites at roughly 20%, along with 60% less agent time per account. These are the company’s own published figures and have not been independently verified by FinCrunch. Automated collections is also an area of active regulatory attention — the CFPB’s Regulation F sets specific rules on contact frequency, disclosures and electronic communication — so any creditor evaluating the platform would reasonably ask to see how the compliance controls perform against its own account types and in the specific states where its debtors reside, rather than relying on an aggregate violation-free claim.