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What If I Can’t Afford to Pay My HMU Recovery Account?

November 05, 20252 min read

What If I Can’t Afford to Pay My HMU Recovery Account?

If any of these situations sound familiar, this article is for you.

  • What should I do next?

  • I know I can’t afford to pay the full balance.

  • I’d rather make one payment a month since I’m paid monthly, not bi-weekly, and I want to do it online.

  • I feel scared and unsure about my options.

  • I can’t afford legal help or a lawsuit.

You’re not alone if you’re having a hard time keeping up with debt payments. With everyday expenses increasing faster than income, more people are falling behind. In fact, most Americans—over 80%—have at least one credit card, and many are struggling to stay current on their balances.

HMU Recovery can help you create a personalized payment plan to pay down your debt more efficiently. We’ll work with your current financial situation to make repayment manageable and affordable.

Visit our website and chat with one of our friendly Account Managers to create a repayment plan that works for you, or give us a call to set up an affordable payment arrangement.

Contact Us to Know Your Options

We understand it can be overwhelming to figure out what to do after receiving a letter from HMU Recovery. Reach out to us today to review your payment options — you may even qualify to settle your account for less than the full amount.

Here are a couple of ways to get started:

Step 1: Create a monthly payment plan with HMU Recovery — with no added interest or extra fees.

Step 2: Enroll in autopay to ensure your payments are made on time every month, helping you stay on track and avoid missed payments.

We’re here to help you resolve your debt with a flexible payment plan that fits your budget and gives you peace of mind.

Contact us today to get started.

24/7 secure online access — no registration needed. Simply enter your HMU Recovery account number and the last four digits of your SSN.

Call us at (800) [your number] to speak with one of our friendly HMU Recovery Account Managers about your payment options.

You can also chat live with our support team for real-time assistance.

Who is HMU Recovery?

If you’ve received a letter, email, or phone call from us, it means your account was transferred to HMU Recovery from your original creditor, and we now manage your debt. You can view the details of your account by signing in, where you’ll find:

  • The name of the original creditor

  • Your account balance

  • Your original account number

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