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Williams & Fudge Debt Collection Harassment?

Updated by Attorney Derek DePetrillo on March 27, 2024 

Williams & Fudge Debt Collection Harassment? Tired of Williams & Fudge Debt Collection Harassment? Wish there was a way to make the calls stop? Is Williams & Fudge constantly calling and harassing you? Does your phone ring every day, several times per day, because Williams & Fudge is calling you to demand payment? Threatening you with legal action? Has Williams & Fudge ever used abusive or profane language when speaking with you on the phone? If so, Williams & Fudge may be violating your legal rights. Stop the harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Is Williams & Fudge a scam?

According to the Better Business Bureau website, Williams & Fudge has been in business since 1986. There have been 133 complaints filed.

Williams & Fudge Better Business Bureau

Who is Williams & Fudge?

Williams & Fudge is third party debt collector located in Rock Hill, SC. They have been a party in federal court over 130 times related to a consumer and their debts. A recent case that our firm handled alleged that Williams & Fudge threatened wage garnishment as well as seizing out client’s assets in violation of Federal Law.

Address: 300 Chatham Ave
Rock Hill, SC 29730-4986
Phone: (803) 329-9791
Fax: (803) 329-0797

Williams & Fudge Debt Collection Harassment Tactics

The Fair Debt Collection Practices Act (FDCPA) provides clear guidelines regarding the behavior of debt collectors when attempting to collect debts from consumers. Violations of these guidelines can result in legal action against the debt collector. Here are some common FDCPA violations:

1. Harassment or Abuse

Debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses consumers. This includes:

  • Making excessive or repeated phone calls with the intent to annoy or harass.
  • Using profane or abusive language during communication.
  • Threatening violence or harm to the consumer or their property.
  • Publishing lists of consumers who refuse to pay debts (with exceptions).

2. False or Misleading Representations

Debt collectors are not allowed to make false or misleading statements in an attempt to collect a debt. Common violations include:

  • Misrepresenting the amount or legal status of the debt.
  • Falsely claiming to be an attorney or law enforcement officer.
  • Threatening legal action they have no intention of taking.
  • Misrepresenting the consequences of non-payment, such as arrest or property seizure.

3. Unfair Practices

The FDCPA prohibits debt collectors from engaging in unfair practices when collecting debts. This includes:

  • Attempting to collect fees, interest, or other charges not authorized by the original agreement or state law.
  • Depositing post-dated checks before the date on the check.
  • Contacting consumers at inconvenient times, such as before 8:00 a.m. or after 9:00 p.m. local time.

4. Disclosure of Debt Information

Debt collectors must handle sensitive information about the debt and the consumer with care. Violations include:

  • Disclosing information about the debt to third parties (other than the consumer’s spouse or attorney) without permission.
  • Using envelopes or other communication methods that reveal the debt collector’s identity or the nature of the debt.

5. Threatening Legal Action

While debt collectors are allowed to inform consumers of potential legal actions, they must do so within the bounds of the law. Violations include:

  • Threatening legal action, they are not legally permitted to take.
  • Falsely representing the involvement of an attorney or law firm.
  • Misrepresenting the legal process or consequences of legal action.

6. Failure to Validate Debt

Upon request, debt collectors are required to provide consumers with validation of the debt. Violations include:

  • Ignoring or refusing to respond to a consumer’s request for debt validation.
  • Failing to provide accurate and complete information about the debt, including the name of the original creditor and the amount owed.

7. Contacting Consumers at Work

Debt collectors are generally prohibited from contacting consumers at their place of employment if they know or have reason to know that such communication is inconvenient. Exceptions apply if the consumer provides permission or if the debt collector is unable to reach the consumer at home.


Understanding your rights under the FDCPA is crucial when dealing with debt collectors. If you believe a debt collector has violated any of these provisions, you may have grounds for legal action. It’s important to document all communication with debt collectors and seek legal advice if you suspect a violation has occurred. By holding debt collectors accountable for their actions, you can protect yourself from harassment and ensure fair treatment in the debt collection process.

Williams & Fudge Phone Numbers            

Are you receiving any harassing phone calls from any of these numbers?

720-405-0325, 803-326-1380, 803-219-1218

If so, you may be a victim of Williams & Fudge debt collection harassment. The list above is not all the numbers that Williams & Fudge uses. Also, calls can be from a different number, and it still be Williams & Fudge calling you.  Contact our office right away so we can start the process to stop Williams & Fudge from calling you illegally. Above all, no one should live with harassment.

Common Questions:

Is Williams & Fudge a scam? No, Williams & Fudge Associates has been in business since 1986.

Can Williams & Fudge seize my property? Williams & Fudge can’t seize your property, but there are some exceptions. If the debt was tied to the property, the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can Williams & Fudge sue me? Yes, Williams & Fudge can sue you so long as the debt is within the statute of limitations.

Can Williams & Fudge report my debt to the collection’s bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report.

Can Williams & Fudge arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

The following is a sample list of complaints filed against Williams & Fudge in 2018 & 2019 and can be found on

2:19-cv-00302-AJS MAHONEY v. GC SERVICES L.P. et al

1:19-cv-01232-AMD-RER Yadgarova v. Williams & Fudge, Inc.

1:18-cv-04948-ILG-CLP Joseph v. Williams & Fudge, Inc.

1:18-cv-01169-AWI-SAB Abrantes v. Williams & Fudge, Inc.

1:18-cv-05086 Facey v. Student Loan Solutions LLC et al


FDCPA violations cast a dark shadow over the debt collection landscape, threatening the well-being and dignity of individuals facing financial challenges. It is imperative to recognize these violations, empower consumers with knowledge, and advocate for a debt collection system that operates within the bounds of ethics and legality. Shedding light on FDCPA violations is a step towards fostering a fair and just financial environment where consumers are protected from harassment, threats, and deceptive practices. It is a call to action for individuals to stand up for their rights, for organizations to champion consumer protection, and for a society that values fairness in the pursuit of financial obligations.



Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Williams & Fudge debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm, PLLC Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent Williams & Fudge debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at We Stop Debt Collection & Phone Harassment – Call Now at 877-700-5790 (

Success Stories

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”

Check out a links below for more information:

South Carolina Attorney General 

Consumer Financial Protection Bureau