Who Is Williams & Fudge? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Williams & Fudge
- Address to send a debt validation letter
- Williams & Fudge, Inc. 300 Chatham Ave Rock Hill, SC 29730
- Phone
- 1-800-849-9791
- Official website
- https://www.wfcorp.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Williams & Fudge, Inc. is a South Carolina-based collection agency that specializes in recovering delinquent student loan debt on behalf of colleges, universities, and student loan guarantors nationwide. If Williams & Fudge is contacting you about a school-related debt, it’s worth demanding proof of the debt in writing before making a payment, so you can confirm the balance and that the debt is actually still yours to pay.
Has Williams & Fudge been the subject of regulatory action?
Williams & Fudge has faced federal FDCPA litigation over its collection letters. A proposed class action, Dibble v. Williams & Fudge, Inc., filed August 31, 2017 in South Carolina federal court, alleged the company used “false, deceptive and misleading representation or means” in letters sent to Wyoming residents — specifically language warning that “the amount due on the day you pay may be greater” due to interest and other charges, which the suit claimed could mislead consumers into thinking added fees would accrue when none actually applied, along with an unauthorized $7 card-payment convenience fee. If you’ve received a collection letter with confusing or inconsistent language about what you owe, or Williams & Fudge continues contacting you after you’ve disputed the debt, see repeated collector contact for how FDCPA protections apply.
Questions & Answers
Is Williams & Fudge a legitimate debt collector?
Williams & Fudge shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Williams & Fudge from calling me?
Under the FDCPA, you can send Williams & Fudge a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Williams & Fudge?
Send a written debt validation request to Williams & Fudge's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Williams & Fudge on my credit report?
If Williams & Fudge is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team