Williams & Fudge on Your Credit Report? Fight Back and Win

If you're receiving calls from Williams & Fudge, it's very likely because they are attempting to collect a debt they believe you owe. We understand how stressful and frustrating it can be to have debt collectors repeatedly calling.

There are, however, ways to get them off your back and even remove them from your credit report. That said, our knowledgeable FCRA attorneys are here to help you negotiate fair settlements,  dispute credit reporting errors, and hold debt collectors accountable for unlawful behavior.

Contact us today for your free case evaluation. Continue reading to learn everything you need to know about Williams & Fudge, including why they’re calling and how to remove them from your credit report.

Is Williams & Fudge a Real Company?

Williams & Fudge is not a scam. They’re a legitimate debt collection agency that has been operating since 1986 and is licensed to collect debt in all 50 states. They specialize in the recovery of education-related receivables. 

While they are a legit company, they’ve also received many negative reviews online. A few of the most notable online reviews include: 

• Better Business Bureau: 1.56/5 stars with 116 complaints in the last three years
• Google Rating: 2.6/5 stars with more than 400 reviews 

However, regardless of a company's reviews, it's always wise to conduct your own research when contacted by a debt collector to verify the legitimacy of the call and the debt being collected.

Williams & Fudge Contact Information 

If you’ve been contacted by Williams & Fudge about an unpaid Perkins Loan, it’s important to understand your rights as a consumer and the options available for resolving this debt. That’s especially true if you’re unsure why they are contacting you. Make sure to have the following contact information handy:

• Phone number: 1-800-849-9791
• Website: www.wfcorp.com
• Payment portal: www.paywfc.com
• Address: 300 Chatham Ave, Rock Hill, SC 29730

Debt collectors may try to pressure you into agreeing to a payment plan without understanding your full situation. For this reason, it can be helpful to consult with a professional debt counselor or attorney before agreeing to pay debts. This can help ensure your rights are protected and that you take the best steps to clear your credit. 

Who Does Williams & Fudge Collect For?

Williams & Fudge is a leading provider of debt collection services specifically for education-related receivables. They specialize in the recovery of Perkins Loans (cohort management), tuition, Health Profession and Nursing Loans, private education (alternative) loans, campus-based institutional loans, parking fines, room fees, board fees, and library fines.

With their help, educational institutions and lenders obtain payment from current and former students who owe money. Additionally, it’s possible that Williams & Fudge collects debt for other types of industries.

Why Is Williams & Fudge Inc Calling Me?

When contacted by Williams & Fudge, it’s important to understand and exercise your rights as a consumer. Upon request, they’re obligated to provide evidence that you owe the debt and have the right to collect it.

In terms of resolving the debt, you have several settlement options, such as negotiating a payment plan that fits within your budget or offering to pay back less than the total amount owed. Additionally, you can dispute the debt if it’s not valid or if Williams & Fudge has breached their obligations under the law.

If you need more clarity about your options, consulting a knowledgeable attorney specializing in consumer protection can help clarify these matters so that all of your rights are appropriately addressed throughout this process.

What If Williams & Fudge Reports Inaccurate Information? 

If Williams & Fudge has reported inaccurate information to the credit bureaus, it’s vital to take quick action. Otherwise, the longer credit reporting errors stay on your report, the more damage it does to your finances and reputation.

With that in mind, here are some steps that can help you identify and remove credit reporting errors:

• Request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion).

• Carefully review your credit report to identify any errors or inaccuracies.

• Dispute any errors or inaccuracies with a dispute letter sent to both the credit bureau and Williams & Fudge, providing supporting documentation as needed.

• The credit bureau must investigate and correct any errors within 30 days.

• Keep copies of all correspondence and documents related to the dispute on file for future reference.

If Williams & Fudge has violated your rights under the FCRA by reporting inaccurate information or failing to correct errors, you may be able to sue for damages with assistance from an experienced consumer rights attorney. An attorney can help you understand your legal options in order to hold debt collectors accountable for any violations against you.

Common Accusations & Allegations Against Williams & Fudge

If Williams & Fudge has contacted you, there may be a possibility that they’re attempting to collect debt from you. However, many complaints have surfaced about their practices and potential violations of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

These alleged violations include harassment, misrepresentation, and failure to provide proof of your debt. For example, the Better Business Bureau has reported negative dealings with them regarding billing and collection.

If these accusations are true and your rights under the FDCPA or FCRA have been violated by Williams & Fudge, taking legal action is essential. Talking to a qualified consumer rights attorney can help you determine if any applicable laws have been broken, if filing a lawsuit is necessary, and how to protect yourself against further debt collector violations.

Contact Us Today For A Free Case Evaluation

Are you tired of the phone calls, texts, and adverse effects on your credit scores due to Williams & Fudge? Whether you feel like they - or any other debt collector - have treated you unfairly or you’re ready to strike a fair debt settlement agreement, our FCRA attorneys are here to help. Don’t let Williams and Fudge ruin your credit any longer. Contact us today for your free case review.