Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.