🚨Williams & Fudge Debt Collection Harassment❓
Is Williams & Fudge inc calling you? Stop Williams & Fudge inc Debt Collection harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop Williams and Fudge phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Certain circumstances, such as receiving emergency care from out-of-network providers, can affect financial agreements and negotiations, particularly in relation to debt settlement options available to consumers.
⚠️Is Williams & Fudge a Scam❓
According to the Better Business Bureau website, Wakefield & Associates has been in business for 32 years. There have been 199 complaints filed against WA with the BBB.
🔍Who is Williams & Fudge Debt Collection Agency❓
Wakefield & Associates, a third-party debt collector in Aurora, Colorado, faces over 190 federal lawsuits for alleged consumer rights violations. A recent case highlights improper credit reporting post-Fair Debt Collection Practices Act settlement, raising concerns similar to William & Fudge Debt Collection Harassment tactics.
Wakefield & Associates has extensive involvement in the healthcare sector across various locations within the country, highlighting their certifications and partnerships.
Address: 10800 E Bethany Dr Ste 450
Aurora, CO 80014-2697
Phone: (866) 623-2069
📢Williams & Fudge Debt Collection Tactics
William and Fudge Debt Collection Harassment, employs a variety of tactics to recover money from consumers. Some of their common methods include:
- Sending Letters and Emails: Wakefield & Associates often sends written communications to demand payment from consumers. These letters and emails can be persistent and may include details about the debt and instructions on how to pay.
- Making Phone Calls: Frequent phone calls are another tactic used to negotiate payment plans or settlements. These calls can be stressful and intrusive, especially if they occur at inconvenient times.
- Reporting to Credit Bureaus: If a consumer fails to pay, Wakefield & Associates may report the delinquent account to credit bureaus, which can negatively impact the consumer’s credit score.
- Filing Lawsuits: In some cases, Wakefield & Associates may take legal action against consumers who do not pay their debts, seeking a court judgment to enforce payment.
- Skip Tracing: This technique involves using various methods to locate consumers who have moved or are attempting to avoid debt collectors.
Understanding these tactics is crucial for consumers to protect themselves and respond appropriately when dealing with Williams and Fudge Debt Collection Harassment.
📲Williams & Fudge Phone Numbers
866-623-2069, 303-872-8492, 800-864-3870, 303-652-5869, 844-544-0408, 866-623-2072, (866) 623-2069, (303) 872-8492, (800) 864-3870, (303) 652-5869, (844) 544-0408, (866) 623-2072,8666232069, 3038728492, 8008643870, 3036525869, 8445440408, 8666232072, 844- 554-0399, 800-264-9399, 567-318-6326
If the answer is yes, then you are receiving calls from a known WA number. You may be a victim of Williams & Fudge Debt Collection harassment. The list above is not all the numbers that WA uses. The calls can be from a different number, and it still be Wakefield & Associates calling you. Contact our office right away so we can start the process to stop WA from calling you illegally. Above all, no one should live with harassment!
💢Williams and Fudge Collections Practices
Debt collection practices can vary, but most agencies follow a similar process. Here’s an overview of what consumers can typically expect:
- Initial Contact: The debt collector will contact the consumer to inform them of the debt and request payment. This can be through phone calls, letters, or emails.
- Validation: Consumers have the right to request validation of the debt. This means the debt collector must provide proof that the debt is legitimate and the amount owed is accurate.
- Negotiation: Debt collectors may offer to negotiate a payment plan. This could involve a lump sum payment or a series of monthly payments to settle the debt.
- Reporting to Credit Bureaus: If the debt remains unpaid, the collector may report it to credit bureaus, which can damage the consumer’s credit score.
- Lawsuit: As a last resort, the debt collector may file a lawsuit to obtain a court judgment, which can lead to wage garnishment or other legal actions.
Consumers should be aware of their rights at each stage of this process to protect themselves from unfair practices and ensure they are treated fairly.
📝Consumer Complaints and Rights
Consumers have the right to file complaints against debt collectors who engage in unfair or deceptive practices. Common complaints include:
- Harassment: Debt collectors are prohibited from harassing consumers with excessive phone calls, emails, or letters. This includes calling at odd hours or using abusive language.
- False or Misleading Statements: Debt collectors must not make false or misleading statements about the debt, such as inflating the amount owed or threatening consequences that are not legally permissible.
- Failure to Verify Debt: Before attempting to collect, debt collectors must verify the debt if the consumer requests it. This ensures that the debt is legitimate and the amount is correct.
Consumers can file complaints with the Federal Trade Commission (FTC) or their state’s Attorney General’s office. Knowing and exercising these rights is essential for protecting oneself from unfair debt collection practices.
🧾Defending Against a Lawsuit
If a debt collector files a lawsuit against you, including potential Williams and Fudge Debt Collector Harassment concerns, it’s crucial to take action to defend yourself. Here are some steps to consider:
- Respond to the Lawsuit: It’s important to respond to the lawsuit by filing an answer with the court. Ignoring the lawsuit can result in a default judgment against you.
- Raise Defenses: You can raise defenses against the lawsuit, such as challenging the validity of the debt or questioning the debt collector’s right to collect it.
- Request a Trial: If necessary, you can request a trial to present your case before a judge or jury.
Seeking the advice of an attorney can be invaluable in these situations. An attorney can help you understand your rights and develop a strategy to defend against the lawsuit effectively.
🛑Protecting Yourself from Scams
To protect yourself from debt collection scams, it’s important to be vigilant and take the following steps:
- Verify the Debt Collector: Always verify the identity of the debt collector and ensure they are legitimate. Ask for their name, company, address, and professional license number.
- Be Cautious of Unsolicited Calls: Be wary of unsolicited calls from debt collectors, especially if they ask for personal or financial information. Scammers often use high-pressure tactics to coerce payments.
- Don’t Pay Without Verification: Never pay a debt without first verifying its legitimacy. Request written proof of the debt and the collector’s right to collect it.
By staying informed and cautious, consumers can protect themselves from falling victim to scams and ensure they are dealing with legitimate debt collection agencies, especially when facing issues like Williams & Fudge Debt Collector Harassment.
The following is a sample list of complaints filed against Wakefield & Associates in the past year and can be found on Pacer.gov.
- 2:18-cv-00551-WKW-TFM Milner v. Wakefield and Associates, Inc.
- 3:18-cv-00514-TRM-HBG Lakins v. Wakefield & Associates, Inc.
- 2:18-cv-00210-CLC-MCLC Breeden v. Wakefield & Associates, Inc.
- 3:18-cv-00480-TAV-HBG Schultz v. Wakefield & Associates, Inc. et al
- 3:18-cv-00445-TAV-HBG Purkey v. Wakefield & Associates, Inc.
Williams & Fudge Reviews – What Real Users Say
Positive Experiences
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✅ Some borrowers report that Williams & Fudge representatives were professional and willing to set up payment plans.
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✅ The company is accredited and holds an A+ BBB rating, showing legitimacy.
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✅ A few users found it helpful that the agency specializes in student loan and tuition-related debts, so they understand education-based balances.
Negative Experiences
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❌ Many users complain about frequent or repeated phone calls, sometimes at inconvenient times.
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❌ Some consumers say they had trouble getting proper debt validation or clear account details.
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❌ Reports of credit score damage due to collection accounts being reported to bureaus.
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❌ Mixed reviews about customer service—some felt pressured or harassed, while others said communication was fair.
🏛️Consumer Rights Law Firm
Consumer Rights Law Firm is a law firm that specializes in helping clients who are facing Williams & Fudge Debt Collection harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop Williams and Fudge debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
We are committed to providing outstanding service and ensuring positive outcomes and satisfaction for our clients.
If you are interested in learning more about how to safeguard yourself and prevent William and Fudge Debt Collection harassment from Wakefield & Associates call us at 877-700-5790
Success Stories:
- Absolutely incredible law firm to work with. Matthew took care of everything, and was fully equipped even though he said it was a case he had never seen before. couldn’t reccomend them enough.
- Absolutely amazing experience, Matt really helped me to get one of my bills removed due to the harassment I received from said company of the bill. Phone calls stopped, didn’t cost me anything out of pocket! I would highly recommend using this service. Real deal y’all!
- Matthew went above and beyond for my case against a debt collector! He handled it professionally and very quickly! Very impressed with this law firm for harassment against debt collectors! Give Matthew a call and let him help you too!
FAQs
Who is Williams & Fudge and why are they calling me?
Williams & Fudge is a legitimate debt collection agency founded in 1986 that specializes in collecting education-related debt like student loans, tuition balances, and campus fees. If they’re calling, they believe you owe on such a debt.
Is Williams and Fudge legit ?
Williams and Fudge is not a scam—they’re licensed to collect in all 50 states. They have mixed reviews but are accredited and have an A+ BBB rating.
Can Williams and Fudge harass me with phone calls?
No. Under the FDCPA, collectors can’t call before 8 a.m. or after 9 p.m., harass you, threaten legal action they won’t take, or call repeatedly just to annoy. Harassment may violate federal law.
What should I do if Williams & Fudge keeps calling me?
Document every call—date, time, phone number, content—and send a written cease-and-desist letter requesting they stop. If calls persist, file a complaint with the CFPB, FTC or your state AG.
How can I make Williams & Fudge validate the debt?
Within five days of initial contact, you can request a written validation notice. They must provide details like the original creditor, amount owed, and your right to dispute.
Can Williams & Fudge sue me or garnish my wages?
Yes—if the debt is not time-barred, they or the original creditor may sue. If they win, they could garnish wages or place liens. Respond to any lawsuit promptly.
Can Williams & Fudge report to credit bureaus and hurt my credit score?
Yes. They often report delinquent accounts, which can stay on your credit history for up to seven years. You can dispute inaccuracies with credit bureaus.
How do I dispute incorrect debt or harassment from Williams & Fudge inc?
You can dispute the debt and request validation in writing within 30 days. If they don’t respond or continue harassing you, report violations to CFPB or FTC and consider legal action under FDCPA.
Can I negotiate a settlement with Williams & Fudge?
Yes—like other collectors, they often settle for 30–60 % of the debt if you offer a lump sum or reasonable repayment plan. Always get the agreement in writing.
What are my rights if Williams & Fudge is contacting me at work or using abusive language?
Under FDCPA, they cannot call you at work if you’ve told them not to, and they cannot use profanity, threats or abusive language. Document these violations and send a cease-and-desist letter—then consider legal remedies.
