8033299791

These [***] Call My Phone Asking For Money For Student Loans. First Of All, I'm Still In High School And I'm Only 17. Which Means I'm Not Even Old Enough To Apply For A Student Loan. I Wish They Would Cease The Amount Of Times They Call.

You are so much better than everyone else NOT
Yeah to make that comment shows a lack of concern for your fellow man. Shame Shame
Mind your own business and keep your nose up you own A

There is no statute of limitations on Student loans!  Only on consumer debt like credit cards and that is based on state law.

YES YOUR WAGES CAN BE GARNISHED FOR STUDENT LOANS!

When they refuse to validate the debt - they don't have a valid debt to begin with.

THEY ARE REQUIRED BY LAW TO PROVIDE THIS IN WRITING!

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

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/start.html


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

I got a call on my home phone and then on my cell phone from a subject named Kevin from 803-329-9791 who was asking for a subject I do not know. I have never had a student loan and have never dealt with a company called Williams and Fudge.

Williams and Fudge info from online search:

Website: www.wfcorp.com
Phone: 1.800.849.9791
Fax: 1.803.329.0797
Mailing Address: 300 Chatham Avenue, Rock Hill, SC 29731
Email: wf@wfcorp.com

I have just one thing to say to all of you. MIND YOUR OWN BUSINESS.

Hello this is Theresa from Williams and Fudge.  I have an mportant business matter to discuss with you.  I can help you resolve this matter, well I think I can still help you, I don't think it's too late.  Return my call at 1-800-849-9792 x2271.  
I also visited their website, and it looks like total BS.  Poor grammer, Sometimes referrs to the company as Williams and Fudge, other times Williams and Fudge, Inc.  There are SEVERAL "Vice Presidents"  and the site says that their clients are on their board of directors- Hello Comflict of interest!  I do not beleive that this is a legitimate company.

I agree.  Same thoughts about them postng here too.  Man, I've had my number for years too.  [***].

They keep calling me, multiple times a week, concerning my brother's debt.  My brother that lives 800 miles away from me and whom I never see.  We fell out of contact years ago because he's an irresponsible drunk and now I'M being harassed for his debts.  I've told them repeatedly that I don't know where he is or have any contact information on him and I'd appreciate it if they'd leave me the hell alone, but they keep calling.  And they call early in the morning and late at night.  I'm thisclose to hiring a lawyer to get these jerks off my back.  I pay my bills on time.  I have a good credit score.  They should not be harassing me.

do you have proof of this?

must have been that fine edumacation from collection agency school...

This collection agency is collecting for private student loans, not government issued student loans.  Private student loans do not have the same repayment deals that government student loans do and most do not let you pay smaller amounts or defer payments.  

And as far as telling folks to mind their own business, if you don't want people commenting on your personal business then why would anybody post on the internet?????  
And BC is absollutely correct, a credit rating of Zero is awful and no one would loan you anything.  Did you perhaps mean the amount of your debt is Zero?

funny, they left a message asking for a TARA AS WELL

This company called me this morning trying to locate someone who listed me as a reference. After speaking with the company representative, who was courteous and professional, it was agreed my number would be removed from their records since I would be of no help in their search.

After reading through several of the posts about this company, it is quite obvious to me that W & F visits this website frequently and posts messages in response to others. They do so using nicknames. Some of their messages sound helpful, while others are the type that give collection agents a bad name.

My suggestion is this...if W & F reps would like to make any truly helpful impression on this board, they might try identifying themselves for who they really are and using professional language instead of speaking down to the people they are trying to make a difference with. By belittling others, you are only compounding the problem and there is much less chance of convincing anyone to work with you.

Another phone call from Williams and Fudge....another time I am not anwsering the phone.

Since they decided not to work with me on payments, I guess I won't work with them on accepting their calls.

You can't get blood from a turnip..

it is williams and fudge my landlord works there

Really, what about the people who you tried to pay and they wouldn't accept your payment and screwed you over in the first place? It is okay for them to send you to these idiots? Get over yourself!

Not always the case Stacy good luck being nieve in life!

No Fred some things are not always what they seem! You should really know someone's story before you try to accuse someone of something! Anyone with the right knowledge can use your name to set up accounts you didn't authorize, happens everyday! Don't believe me talk to your police officers! Grow up people!

I would suggest you see a lawyer! They would be able to help you out and get the information you need without any problems and with respect!