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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Williams & Fudge, Inc. Contact Information
Address:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Williams & Fudge accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
