Wilber & Associates, P.C. collects exclusively for insurance companies pursuing uninsured accident claims from their Normal, Illinois office, also operating as The Wilber Group. Every account they pursue stems from an auto accident where the at-fault party lacked adequate insurance coverage.
With 136 BBB complaints in three years, a 2016 TCPA class action, and documented patterns of threatening driver’s license suspension to pressure payment, Wilber is one of the more aggressive specialty collectors in this niche. This guide covers who they are and how to respond.
Who Is Wilber & Associates?
Wilber & Associates, P.C. is a debt collection law firm founded in 2004 and BBB accredited despite 136 complaints recorded in the past three years. Their clients are insurance companies seeking reimbursement for claims paid out on accidents where the other driver was uninsured or underinsured.
Illinois has a 5-year statute of limitations on written contracts, though the relevant period for property damage claims may differ.
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Collecting From People Who Already Sold the Vehicle
A documented CFPB complaint describes a consumer who provided Washington State title transfer documentation proving they had sold the vehicle before the accident date. Wilber continued collecting anyway. The collection letter offered only two response options: pay the amount claimed or provide insurance coverage information. There was no option to dispute liability.
A collection letter that does not include a dispute option violates FDCPA Section 1692g, which requires clear disclosure of the consumer’s right to dispute the debt within 30 days. If you sold the vehicle involved in the accident before the date of the claim, document the title transfer with your state’s DMV records before responding to Wilber.
The Driver’s License Suspension Threat
A documented December 2025 BBB complaint describes a couple whose insurance refused to cover a parking lot accident causing under $500 in damage to another vehicle. The couple set up $100 monthly payments through Wilber’s own online portal, which the system accepted. A Wilber representative then called repeatedly, refused to honor the online payment arrangement, and demanded $750 upfront to avoid receiving a driver’s license suspension letter.
A separate CFPB complaint describes Wilber threatening license suspension for a broken headlight repair and refusing payment arrangements below $300 per month.
Threatening to arrange license suspension as a collection tactic while refusing reasonable payment arrangements is a documented Wilber complaint pattern. Under FDCPA Section 1692e(4), threatening action that cannot or will not be taken is prohibited.
The 2016 TCPA Class Action
In Phillips v. Wilber & Associates PC (N.D. California, Case No. 3:16-cv-03936-LB), a consumer filed a class action alleging Wilber continued calling his cell phone using an automatic dialing system despite multiple explicit requests to stop. The complaint sought $500 in statutory damages per violation and $1,500 in treble damages for intentional violations under the TCPA.
If Wilber has continued calling your cell phone after you have asked them to stop, log every call with the date, time, and the number used. Each automated call after a stop request is a potential TCPA violation.
Disclosed Debt to Third Party Without Verification
The December 2025 BBB complaint also describes a Wilber representative disclosing the wife’s debt details to the husband during a call without first verifying the husband’s identity or authorization. FDCPA Section 1692c(b) prohibits communicating with third parties about a consumer’s debt without the consumer’s prior consent.
What Wilber Cannot Do Under Federal Law
- Send a collection letter with no dispute option: The documented CFPB complaint shows a letter with only payment or insurance options and no dispute pathway. FDCPA Section 1692g requires clear dispute rights disclosure.
- Continue calling after an explicit stop request using an autodialer: The 2016 TCPA class action addresses this directly. Each call is a potential $500 to $1,500 violation.
- Threaten license suspension while refusing a payment arrangement their own system accepted: A documented December 2025 BBB complaint. FDCPA Section 1692e(4) prohibits threatening actions that will not be taken.
- Collect from someone who sold the vehicle before the accident: A documented CFPB complaint. Title transfer documentation is a complete defense.
- Disclose debt details to a third party without verification: A documented BBB complaint. FDCPA Section 1692c(b) prohibits this.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the name of the insurance company client, the accident date, the vehicle involved, and the specific damages claimed. If you sold the vehicle before the accident date, include a copy of the title transfer documentation with your validation request.
How to Find Wilber on Your Credit Report
Check your credit reports for “Wilber Associates” and “Wilber Group.” Confirm the accident date matches a vehicle you owned at that time. If you had sold the vehicle before the accident date, the entry is disputable on its face.
Your Options Before Paying or Responding
- Document any title transfer before the accident date: The CFPB complaint shows Wilber collecting from a prior owner. State DMV title transfer records are the definitive evidence.
- Log every cell phone call after a stop request: The 2016 TCPA class action shows this is an actionable Wilber pattern. Date, time, and number used are all relevant.
- Screenshot any online payment arrangement Wilber’s system accepts: The December 2025 BBB complaint shows Wilber’s representative overriding their own portal’s accepted payment plan. A screenshot of the accepted arrangement is evidence.
- File with the Illinois AG in addition to CFPB: The Illinois Attorney General’s Consumer Protection Division handles debt collection complaints at (800) 243-0618.
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How to Contact Wilber & Associates
- Address: Wilber & Associates, P.C., 210 Landmark Drive, Normal, IL 61761
- Phone: (800) 313-5169 or (309) 663-6700
Bottom Line
Wilber & Associates collects exclusively for insurance companies pursuing uninsured accident claims. Their documented patterns include threatening driver’s license suspension while refusing payment arrangements, collecting from consumers who had already sold the vehicle, and continuing to call after explicit stop requests.
If you sold the vehicle before the accident date, document the title transfer and include it in your validation request. If Wilber has continued calling after you asked them to stop, log every call for a potential TCPA claim.
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.