If RGS Financial has appeared on your credit report or is calling you, the company is now operating under a different name. As of January 1, 2026, RGS Financial LLC officially operates as Williams & Fudge, Inc. The RGS Financial name may still appear on older credit report entries and documents while systems are updated.
Any account previously serviced by RGS Financial is now managed by Williams & Fudge, Inc. This guide covers what the rebrand means, who Williams & Fudge is, and how to respond.
Who Is RGS Financial / Williams & Fudge?
RGS Financial, Inc. was founded in 2005 in Richardson, Texas as a first and third-party accounts receivable management agency. In July 2023, Williams & Fudge, Inc. acquired RGS Financial. On January 1, 2026, RGS Financial officially completed its integration and now operates solely under the Williams & Fudge name.
Williams & Fudge, Inc. was founded in 1986 in Rock Hill, South Carolina. The company specializes in education receivables and financial services collections. Confirmed university clients include Georgetown University, the University of Houston, the University of Miami, and Santa Clara University.
If you see RGS Financial on your credit report today, Williams & Fudge is the entity currently managing that account.
Not sure where to start with your credit?
Answer a few simple questions and get a free step-by-step plan to rebuild your credit.
What This Rebrand Means for Your Account
RGS Financial’s own transition page confirms the following. Your account continues as normal under Williams & Fudge. Payment amounts, due dates, and saved payment methods remain the same. You may see Williams & Fudge, Inc. listed on payment descriptions where RGS Financial previously appeared.
All consumer protection rights under the FDCPA and FCRA continue to apply. The company name change does not affect your legal rights.
If you need to dispute an account, resolve a balance, or file a complaint, direct all communications to Williams & Fudge, Inc. using the contact information at the end of this article.
Why RGS Financial / Williams & Fudge Is on Your Credit Report
RGS Financial’s collection focus prior to the acquisition included online lenders, payday loan providers, peer-to-peer lenders, credit card companies, and financial services providers. Williams & Fudge’s traditional focus is education debt, including tuition balances and private student loans at colleges and universities.
The combined entity now collects across both categories. If your account traces to a university balance, it almost certainly traces to the Williams & Fudge education division. If it traces to an online loan or financial services account, it traces to the former RGS Financial operation.
If you do not recognize the original creditor, request full debt validation before engaging.
The Workplace Calling Complaint
A documented 2025 BBB complaint describes RGS Financial calling a consumer’s workplace multiple times. The caller never left a voicemail. When the consumer answered, the call was about a balance under $250 that had only recently been placed with RGS in December 2024.
The consumer specifically stated they did not want to be harassed at work and requested the account letter be resent to their home address before any payment was made.
Under the FDCPA, once a consumer informs a collector their employer prohibits personal calls, all workplace contact must stop. If Williams & Fudge or any RGS Financial-related contact continues calling your workplace after you have stated that your employer prohibits it, document every call and file a CFPB complaint.
What Williams & Fudge / RGS Cannot Do Under Federal Law
The FDCPA applies to Williams & Fudge, Inc. as the successor to RGS Financial. Under federal law, they cannot:
- Continue calling a workplace after employer prohibition notice: A documented 2025 BBB complaint.
- Call repeatedly without leaving identifying voicemails: A documented 2025 BBB complaint pattern.
- Report inaccurate information to credit bureaus: Standard FCRA prohibition.
- Threaten legal action they do not intend to take: Multiple sources confirm this agency does not sue consumers.
- Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
File complaints at consumerfinance.gov. Texas residents can file with the Texas Attorney General’s Consumer Protection Division. South Carolina residents can file with the South Carolina Department of Consumer Affairs.
Verify the Debt Before Paying Anything
Send a written debt validation request by certified mail within 30 days of first contact. Address it to Williams & Fudge, Inc. using the contact information below, even if the correspondence references RGS Financial.
Ask for the original creditor, the account number, the balance at referral, and the original date of delinquency. For education accounts, confirm which university or institution originated the balance.
How to Check Your Credit Report for Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under both RGS Financial and Williams & Fudge. Is the original creditor identified? Is the balance correct? Is the delinquency date accurate?
If the entry still shows RGS Financial and you are disputing it, note in your dispute that RGS Financial is now operating as Williams & Fudge, Inc. as of January 1, 2026.
How Long Can They Legally Pursue the Debt?
Texas has a 4-year statute of limitations on most consumer debts. South Carolina, where Williams & Fudge is headquartered, has a 3-year limit. The relevant state for any lawsuit is typically where you currently reside.
Your Options for Resolving an Account
Once you have verified the debt:
- Direct all communications to Williams & Fudge: RGS Financial no longer operates as a separate brand.
- Verify the original creditor: The transition may cause confusion about which institution or lender originated the balance.
- Negotiate a settlement: Williams & Fudge does negotiate on valid accounts. Get any agreement in writing before paying.
- Dispute if inaccurate: If the balance is wrong or the original creditor is not identified, dispute with the credit bureaus.
Ready to take action on your credit?
Get your personalized plan in 30 seconds. Free, no credit check.
How to Contact Williams & Fudge (Formerly RGS Financial)
Handle all communication in writing. Use Williams & Fudge contact information for all current account matters:
- Former RGS address: 1700 Jay Ell Dr, Suite 200, Richardson, TX 75081
- Williams & Fudge mailing address: PO Box 11590, Rock Hill, SC 29731
- Phone: (800) 551-5772
Bottom Line
RGS Financial is now Williams & Fudge, Inc. as of January 1, 2026. Any account, payment, or dispute previously associated with RGS Financial is now managed entirely by Williams & Fudge.
Direct all disputes, payments, and communications to Williams & Fudge using their current contact information. The RGS Financial name may still appear on older credit report entries while systems are updated.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.