Member-first debt recovery and hardship-program operations for RMO lending products. We work with members, not against them — to find payment plans, forbearance options, and counseling support that fit your situation.
We handle past-due RMO loans and credit obligations with a member-first approach — the same approach that brought you to RMO in the first place.
Structured plans that match your income and timing — not the fine print of an external collection agency.
Temporary suspension or reduction of payments during job loss, medical events, natural disasters, and other life crises.
For accounts where full repayment isn’t feasible, we’ll work with you on settlement terms that close out the obligation responsibly.
Free referrals to RMO Human Services for budgeting, debt-management planning, and financial education.
Most lenders sell delinquent debt to third-party collectors. We don’t. We keep collections in-house so you stay a member, not an account number.
RMO retains your account through the entire process. Your data and your relationship stay with RMO.
Successful completion of a hardship or repayment plan restores your member benefits and lending eligibility.
Every interaction follows FDCPA, state collection laws, and our internal member-first standards. No harassment, no surprises.
The earlier you reach out, the more options we have. Don’t wait for collection notices to escalate — call us first.
