218-384-6259

didn't answer.  Caller ID says Williams and Fudge.

Answered, got the "It's a personal business matter" deal.  Said she was calling from Williams and...Something.  Couldn't understand what she said.

If you had read the first post you would have known the name of the debt collector.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

WILLIAMS & FUDGE

Web site (which looks like a 1 year old designed it and is mostly about paying) listing a PO Box as an address:  https://wfpayaccounts.123fastpay.com/Contact.aspx

BBB page showing them as accredited A+ with 145 complaints (the BBB removed 49 complaints so they could keep that A+ rating) and 13 negative reviews with 2 paid for positive review  as of 1/31/2024:  http://www.bbb.org/charlotte/business-reviews ... -hill-sc-101178

They don’t have a Federal contract to collect student debt:  https://studentaid.ed.gov/sa/about/data-cente ... llection-agency

This Bizapedia listing shows the names of some of the head criminals at this enterprise:  http://www.bizapedia.com/ga/WILLIAMS-FUDGE-INC.html

South Carolina Dept. of State info:

WILLIAMS & FUDGE, INC.
Note:This online database was last updated on 7/5/2015 3:04:34 AM.
See our Disclaimer.
DOMESTIC / FOREIGN:    Domestic
STATUS:    Good Standing
STATE OF INCORPORATION
/ ORGANIZATION:    SOUTH CAROLINA
Profit
REGISTERED AGENT INFORMATION
REGISTERED AGENT NAME:    GARY L WILLIAMS
ADDRESS:    300 CHATHAM AVE
CITY:    ROCK HILL
STATE:
ZIP:    29730
SECOND ADDRESS:

FILE DATE:    07/07/1986
EFFECTIVE DATE:    07/07/1986
DISSOLVED DATE:    / /
Corporation History Records
CODE    FILE DATE    COMMENT    Document
Amendment    03/04/2010    AMENDMENT
Amendment    12/21/2009    AMD -- BYLAWS
Agent    09/17/2007    CHG AGT ADD/GARY L WILLIAMS
Agent    01/24/2005    ADDRESS CHANGED
Amendment    06/15/1993    STOCK AMD     Image
Incorporation    07/07/1986    ART     Film

Other complaints:
http://www.creditreportproblems.com/williams-fudge.htm
http://www.debtorboards.com/index.php?topic=1139.0
http://www.yelp.com/biz/williams-and-fudge-inc-rock-hill
https://www.bluegartr.com/threads/109698-Debt ... liams-and-Fudge
http://www.debtorboards.com/index.php?topic=1139.0
http://www.ripoffreport.com/r/williams-fudge/rock-hill-south-carolina-297305/williams-fudge-i-guess-this-it-what-it-feels-like-to-have-your-credit-destroyed-over-a-927980
http://www.ripoffreport.com/r/Williams-Fudge/Select-StateProvince/Williams-Fudge-A-collection-agency-with-plenty-of-bark-but-no-teeth-Rock-Hills-South-C-1166543
Looks like they get sued a lot:
http://law.justia.com/cases/federal/district- ... 00634/86409/53/
https://www.pacermonitor.com/public/case/8713 ... Fudge_Inc_et_al
http://www.leagle.com/decision/In%20FDCO%2020 ... %20FUDGE,%20INC.
http://www.plainsite.org/dockets/2mbm22w3u/pe ... -and-fudge-inc/
http://www.plainsite.org/dockets/2knik16rp/ne ... -and-fudge-inc/
http://www.law360.com/cases/52851668b7ff895850000001

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general