800-849-9791

REPORT THEM TO YOUR STATE ATTORNEY GENERAL AND THE SOUTH CAROLINA ATTORNEY GENERAL ASAP

Williams & Fudge, INC.  

Address    Web/Email Address Rating
775 Addison Ave.
775 Addison Ave.
City : Rock Hill
State : South Carolina
Zip : 29731

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Phone No.  800-849-9791 803-329-9791  
Fax 803-329-0797  





LAWS THEY BREAK AND HOW TO HANDLE IT SO THEY PAY YOU

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0






THERE ARE NO VALID DEBTS - THEY CANNOT PROVE ANYONE OWES THEM ANYTHING

LAWS THEY BREAK

So I get a phone call from my grandparents earlier this afternoon saying that someone called there looking for me because they were trying to get ahold of my boyfriend. They gave me the number to call back so I call them, completely confused as to why these people are calling my poor grandparents but probably found my name somewhere and since my home phone number is unlisted that was the only number they could find with my last name.

So I call the number back, they give my boyfriend's name and ask if I know him, to which I answer yes. I am then told that "We have been trying to reach him for over a year, can you have him call us regarding business he has with us." I ask why they contacted my grandparents and he responded because he was trying to reach me, I then ask how they even knew that I know him, and he responded with "Well, you are his girlfriend, aren't you?" to which I again ask how they know this since for one, we have not even been dating for a year and two, there are no documents stating I am his girlfriend, nor has he listed me anywhere as a reference or a relationship. He responds to this with "Uh, well, that's kind of public knowledge" (meaning he must've been doing some facebook stalking because that's the only place I am listed as his girlfriend.) I then asked what the matter was about and he responded with "Well vaguely, we represent colleges and universities, if you're so concerned why don't you have him tell you."

I finally hung up on the guy and immediately call my boyfriend and explain the situation and he has absolutely no idea what this whole thing is about and is also pissed that they dragged me and my grandparents into all of this when he has never been personally contacted by them before.

This is ridiculous, to use facebook to find a relationship and then hunt them down through the phone book and call their relatives until they get ahold of you so you can tell you boyfriend/girlfriend to call them, completely unprofessional and uncalled for, especially since he has never been contacted by them and had no idea what I was talking about.

These people are a scam..They say they are calling about "school."  They called looking for my daughter who is paying back her student loans on time, and is current on all of them.  They are fishy people...someone is always looking for a free ride and money for nothing.

I love it that these crooked companies actually have their crooked employees come online to defend their crooked practices.

If you want them to leave you alone- request in writing that they not contact you by phone and legally they can't.

People who don't pay their bills have reasons. I mean seriously, who wants bad credit? All these collection scammers do is write up those reasons to "hard luck stories". Take a hard look around you- the economy IS a hard-luck story.

Further, these companies buy debt for pennies on the dollar. It's not about "paying your bills" as they claim, it's about making a killing on those "hard luck stories". Collection agencies are the worst of the worst. What they do is borderline illegal. Think about it, a debt usually stems from a contract of some sort. If you didn't sign a contract with "Williams & Fudge" how is that a legal "debt" owed to "Williams & Fudge"?  When Williams & Fudge or any other collection agency buys your debt, they have effectively paid your debt for you. You didn't ask them to and have no obligation to "pay them back".

I was in a bit of a mess getting my debt old tuition debt squared away, (as by choice of the college, it was sold to Three Different Collection Agencies) So by the Time I got to Williams and Fudge I was terrified, and at the end of my robe with collectors. However these people really made my day. I spoke to a woman named Rachel, while the amount she said I ought to pay was at the very top of my budget, it was much more reasonable then other collection agencies had asked and she was just so pleasant even placed me on a Credit Restoration program, she informed me if I did not miss a payment this would be erased from my credit. Consider yourself lucky to deal with these folks!

When I told one guy over there that the payment he's asking me to make is too high for me he said "go get another job." When I spoke with the person who was actually handling my case (Laura something or other) she told me she was here to work with me. She asked me for my address and said they had an old address for me, so whatever mailing they sent out was sent to an address that I haven't lived in in over a year. So I asked her to send me a bill she said "this is beyond billing at this point." I asked "So, why can't you just send me a bill stating what I owe?" and she told me "you know as well as i do, sir, that this is a stall just so you don't pay your bill," that she is trying to collect on behalf of the school. I checked with the school and the school said that I have a $0 balance. So who do I owe money to? they refuse to send me documentation or any kind of mailing slip to send them a payment. They just want me to hand them my bank account number and they're not getting it. I'm willing to pay the debt but I'm not stupid enough to just hand my bank account information over to someone who won't even prove their identity.

Ok so Ive been getting calls from these creeps and I owe nothing. Im about to call them back but need to know how one records telephone conversations. Also the best way to document things, as everything I have heard about these creeps is negative. Wanna have my ducks in a row before calling them as It seems like doing so is going to open up a whole new can of worms that I dont want to, but apparently have to, deal with if I want the harassment to stop. thank you.

Name of company at Addison ave is not Williams n fudge they are known as three different companise : ACS,ncs , and urg