Williams & Fudge


Is Williams & Fudge hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Williams & Fudge, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Williams and Fudge cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Williams and Fudge must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Williams and Fudge cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Williams & Fudge From Your Credit Report Today!

Credit Saint can help you dispute Williams & Fudge accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.