Helping You Move Up One Step at a Time.

Ethical. Efficient. Effective Debt Recovery.

At HMU Recovery, we’re redefining what debt collection looks like in the modern age.

As part of the HMU Financial family, our mission is simple: to bridge the gap between creditors and consumers through integrity-driven recovery solutions that protect relationships and rebuild financial futures.

Whether you’re a business seeking recovery or a consumer seeking clarity, we’re here to help you move forward — respectfully, transparently, and compliantly.

Helping You Move Up One Step at a Time.

Ethical. Efficient. Effective Debt Recovery.

At HMU Recovery, we’re redefining what debt collection looks like in the modern age.

As part of the HMU Financial family, our mission is simple: to bridge the gap between creditors and consumers through integrity-driven recovery solutions that protect relationships and rebuild financial futures.

Whether you’re a business seeking recovery or a consumer seeking clarity, we’re here to help you move forward — respectfully, transparently, and compliantly.

Our mission

Our mission at HMU Recovery is to bring fairness and empathy back into the debt recovery process—empowering consumers to resolve their financial obligations with dignity, while helping businesses recover lost revenue through compliant, compassionate,

and technology-driven solutions.

📞 For Businesses: Recover your past-due accounts ethically and efficiently.

🧾 For Consumers: Need help understanding your account? We’ll guide you step-by-step.

🔒 Compliance First: FDCPA & state-licensed, protecting your rights at every step.

Why Choose HMU Recovery

100% FDCPA-Compliant Practices
Advanced Skip Tracing & Recovery Tools
Licensed & Bonded Nationwide
Real People. Real Respect. Real Results.

We don’t just collect — we connect.

ABOUT US

HMU Recovery was founded as a proud subsidiary of HMU Financial to bring compassion, compliance, and innovation into the debt recovery industry.

We recognized that too often, debt collection was handled with aggression instead of understanding. So we built a company that treats every consumer with dignity — while giving businesses the tools and technology they need to recover what’s rightfully owed.

We operate in accordance with the highest ethical standards, as mandated by the Fair Debt Collection Practices Act (FDCPA) and all applicable state regulations.

Who We Serve

Lenders & Finance Companies
Medical & Dental Offices
Landlords & Property Managers
Service Providers & Small Businesses
Credit Unions & Local Banks

From individual accounts to large portfolios, our recovery specialists are trained to deliver respectful, consistent, and measurable results.

Our Core Values

Value

Integrity

Compassion

Accountability

Innovation

What It Means

Every communication is honest, transparent, and compliant.

We treat consumers as people

not numbers.

We uphold both creditor and consumer rights equally.

Using data, automation, and AI to improve efficiency.

Our Slogan

“Helping You Move Up.”

Because at HMU Recovery, we believe recovery isn’t just about collecting debt — it’s about helping people rebuild their financial foundation and move forward.

HOW IT WORKS

For Businesses — Recovering Debt the Right Way

Our 3-step process makes recovery simple, compliant, and transparent:

Upload delinquent accounts through our secure online client portal. We verify each submission for accuracy and compliance before any contact is made.

Our trained agents reach out using FDCPA-compliant communication channels — phone, mail, SMS, or email — focused on resolution, not intimidation. We aim to create win-win payment arrangements that help consumers get back on track.

Track every collection activity and payment update through your client dashboard. We provide detailed performance metrics and transparent recovery reports.

No collection, no fee — you only pay when we recover.

For Consumers Resolving Debt with Dignity

If HMU Recovery has contacted you, we’re here to help you

understand your options. You can:

Verify your account
Dispute inaccurate information
Set up affordable payment plans
Request written validation

We believe recovery should feel fair, not frightening.

Frequently Asked Questions

Who is HMU Recovery?

HMU Recovery is a licensed debt collection agency and subsidiary of HMU Financial. We help businesses recover past-due balances while providing consumers with respectful repayment options that protect their credit and financial integrity.

Why did I get a call or letter from HMU Recovery?

You’ve been contacted because your account with one of our creditor partners was placed with us for servicing or recovery. Our role is to help resolve that account professionally and transparently.

How can I verify or dispute a debt?

You have the right to request written verification. Simply email or mail us a Debt Validation Request, and we’ll provide documentation confirming the account details.

Will this affect my credit?

If your creditor reports to the credit bureaus, resolving your account may improve your credit profile. We encourage prompt resolution to minimize any negative impact.

How do I make a payment?

You can pay online through our secure payment portal, by phone, or by mail. We offer flexible payment options, including installment plans and settlement arrangements.

Is HMU Recovery compliant with the law?

Absolutely. We operate under all state regulations, the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA). Compliance and respect are at the core of everything we do.

I’m struggling financially — what can I do?

We understand. Our agents are trained to work with you to create an affordable payment plan. You can also ask about hardship programs that may pause or reduce payments temporarily.