Who is Williams & Fudge?
Williams & Fudge, Inc. is a debt collection agency located in Rock Hill, South Carolina. They specialize in the recovery of education-related debts.
If Williams and Fudge appears on your credit report as a collections account, this typically indicates an unpaid or delinquent student loan debt.
Who does Williams & Fudge collect for?
Williams & Fudge primarily operates within the education sector. They partner with colleges and universities across the country to collect various forms of student debt. This debt can originate from many sources, including unpaid tuition fees, private student loans, institutional loans granted by the campus, or other education-related fees such as room, board, parking, and library fines.
Is Williams & Fudge legit or a scam?
Williams & Fudge is a legitimate debt collection agency. They’ve been in business since 1986, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Williams and Fudge from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Williams & Fudge, Inc. Contact Information
Williams & Fudge, Inc.
300 Chatham Ave
Rock Hill, SC 29730
Phone number: (800) 849-9791
Should I contact or pay Williams & Fudge, Inc.?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Williams & Fudge is to work with a credit repair professional. They help remove millions of negative items every year from companies like Williams & Fudge on behalf of their clients.
Will Williams & Fudge, Inc. sue me or garnish my wages?
Williams & Fudge, Inc., like other debt collection agencies, is entitled to file a lawsuit against a debtor to recover unpaid debts. If they win the case, they may receive a court judgment that allows them to garnish your wages or levy your bank account.
However, initiating a lawsuit is typically a last resort for debt collection agencies, as it involves time and resources. Generally, they will attempt to negotiate a payment plan or settlement before proceeding with legal action.
Williams & Fudge, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Williams & Fudge, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Williams and Fudge to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Williams and Fudge may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Williams and Fudge must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Williams and Fudge cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Williams & Fudge accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
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