8033299791

I think avoiding people is wrong but when you try to work things out and come to a agreement on a amount that it should be accepted the first time.  When people are saying they are calling and there is no one there by that name it is never okay for the company to give the person that answers a hard time.  i am still enrolled in college and I am being asked to pay $4000 for a semester that I wasn't even in attendance for.  They wanted my personal information and I will not be submitting my checking account number or any of that to have them take more money then what is owed.. I will mail a payment just as I pay other bills.

They are creepy and annoying.
They've called several times over the past few months-- anytime between 6am and 11pm Eastern Time. They breathe really heavily 3-6 times, don't respond to anything you say, and then hang up.
The first time they called at almost 11pm and my wife answered- she was home alone while I was in training (Fort Drum), and the creepy breathing really scared her.
The number doesn't show up on our caller ID, but does show up in our Verizon phone log.

The person they are trying to reach is not at this number. I have told them this. They call every day anyway.

IT is a legit collection. I owed a little bit of $ to community college and they mailed me stuff first.

I was a debt collector at Wells Fargo. If you don't want a debt collector to call your cell phone, tell them that it is your cell phone and they are not allowed to call it. Make sure to express that about your work number.

Williams & Fudge is attempting to collect a debt of $193 that I know for a fact isn't mine. I graduated with my BA nearly 20 years ago before I married for the first time. My parents and I paid for my schooling out of our own pockets. My parents covered tuition and allowed me to live rent free. I just had to cover my books and supplies. No loans or grants. My first husband unfortunately passed away and I remarried 8 years ago.
Last week, I received a call from a woman named Denise looking for my first married name. When I asked her what this is in regards to, she wouldn't tell me who she worked for and would simply state it was about a file she was just assigned. After she refused to give me more info, I hung up on her. On Wednesday, I received a letter from Williams & Fudge addressed to my first married name saying I owe an online university $193. I immediately sent out a validation letter CMRRR disputing the debt. Once Williams & Fudge receives that letter, they cannot call me until they send me proof of the debt. I can sue THEM if they do. I never attended an online school and even if I did, any debt incurred under that name is too old for significant action to be taken.
Friday morning, I received another call. I knew they hadn't received my letter yet, so this was legally "okay." I stated to Mary that I would be recording the call. She seemed very hesitant, but agreed and started her script. I allowed her to finish, then I politely informed her that I had already sent a validation request via certified mail and any further contact after this call before they validate would be violation. She was quiet for a minute, then claimed her supervisor had informed her that I am violating the law by recording the phone call. I quickly told her that Florida only requires I tell you I am recording and that all further calls will be recorded  and any calls before my debt is validated will be used as evidence in a FDCPA lawsuit. Then I hung up.
There are many laws that protect you from debt collectors. Even if the debt is yours, collection agencies must follow the law in collecting them. Yes, you can record phone calls. You just sometimes have to inform them you are recording. Request proof in writing using certified mail, return receipt requested. Dispute items on your credit report if they are incorrect. If they confirm them, send a method of validation letter. You can actually sue the credit reporting agencies AND the collection agency if they continually report incorrect information. Again, you can do all this even if the debt is yours.

Florida is a 2 party state, and by informing her that you were recording her and by her continuing at that point, you were covered, as long as you telling her was on the tape.
You might also want to make a complaint at these agencies
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php
Also file a complaint with the Florida AG’s Office:  http://myfloridalegal.com/
http://www.flofr.com/StaticPages/FileAComplaint.htm
Here is their Florida Debt Collector License info:
License Name:    WILLIAMS & FUDGE INC
DBA Name:
License Type:     Consumer Collection Agency
Status:     Approved
Status Effective Date:     3/2/2015
Original Date of License:     5/3/1994
License Number:     CCA0900715
License Expiration Date:     12/31/2015
License Main Address:

Street:     300 CHATHAM AVENUE
City:     ROCK HILL
State:     SC
Zip Code:     29730

License Mailing Address:

Street:     P.O. BOX 11590
City:     ROCK HILL
State:     SC
Zip Code:     29731-1590
Phone Number:     803-329-9791

WILLIAMS & FUDGE
Posted in:  https://800notes.com/Phone.aspx/1-803-329-9791/14#p901681286503189897
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 with 181 complaints and 2 negative reviews but they somhow still get an A+ rating????:  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
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “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 letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

they called me and told me I had to set up a bank account and give them my roating number than they also asked for my husband's personal info when I hadn't even met him than and my mom's personal I formation than he got a attitude with me when I told him how much I can make a month I told him people have family and bills and sometimes can't afford a big payment and he said not my problem when do I expect to see the money by

Terrible

You're an idiot

Ever receive grants or federal aid?

Started school did not finish pay my owe moneybecause i did not finish the whole course i was charge the rest of payment made payment with school every month til pay out  now I receive phone call from william and fudge I made arrangement with the school but they keep calling me

That's funny, it happen to me also, but instead the man stated " stop lying to me".