Wilber & Associates: Who They Are and Your Rights

Type

Collection law firm

Also known as

Wilber & Associates, P.C.; Wilber and Associates, P.C.; The Wilber Group; WilberGroup

Headquarters

Normal, IL

Collects

insurance subrogation claims for accident damages

Phone numbers it lists

(800) 313-5169

Website

wilbergroup.com

106 debt collection complaints were sent to the Consumer Financial Protection Bureau about Wilber and Associates, P.C. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Wilber & Associates?

Wilber & Associates, P.C. is a professional corporation, also known as The Wilber Group, based at 210 Landmark Drive in Normal, Illinois. The Better Business Bureau shows it was incorporated in April 2004 and lists a second Wilber Group location in Newark, Ohio. The company's website, wilbergroup.com, describes subrogation services for insurance companies and sends payers to a separate payment site. Its published number is (800) 313-5169, with different extensions for insurance clients and for payments.

We did not find a CFPB enforcement action against Wilber & Associates.

Why Wilber & Associates May Be Contacting You

Wilber's business is subrogation. When an insurance company pays its own customer for a car accident or other loss, it takes over that customer's right to recover from whoever caused the damage. According to the BBB's description, Wilber recovers those payments from at-fault parties or their insurers, and it offers claims handling, arbitration, collection and litigation services to insurers and self-insured companies.

So a Wilber letter usually says you (or a driver of your vehicle) caused an accident and owe the insurer what it paid for repairs, a rental car or injuries. Common situations include an accident where you had no insurance, a claim your insurer denied, or a damage amount above your policy limits.

How to Check a Claim Wilber & Associates Says You Owe

A subrogation demand is a claim that you are liable, not a bill you agreed to. Check it carefully.

• Get the details in writing: the date and place of the accident, the insurer and its customer, the claim number, and the repair estimates, invoices and photos supporting the amount.
• Notify your own auto insurer immediately, even if the accident was long ago. If you had coverage, your insurer may have a duty to handle the claim.
• Dispute fault and amount in writing if you weren't at fault, weren't driving, or the vehicle had been sold. A sold car that was still registered in your name is a common source of confusion.
• Check the time limit. Texas generally allows two years to sue for property damage or personal injury (Tex. Civ. Prac. & Rem. Code § 16.003). The four-year period for contract debts (§ 16.004) usually does not apply to accident claims, but it can apply if you signed a promissory note or payment agreement. Other states have different deadlines.
• Be careful with payment plans. A signed agreement to pay can turn a disputed liability claim into a contract debt, so read it before you sign.

What Wilber & Associates Can and Can't Do

Lawyers who regularly collect consumer debts are covered by the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). But the Act covers only "debts" arising from consumer transactions (15 U.S.C. § 1692a(5)), and many courts have held that a claim for damages from a car accident is not such a debt. Whether the Act covers your situation can depend on the facts, for example whether you later signed a payment agreement. Where it applies:

• A collector may not threaten an action, such as a lawsuit or driver's license suspension, that it cannot legally take or does not intend to take (15 U.S.C. § 1692e(5)). Some states do allow license suspension over unpaid accident judgments, so ask which law a letter relies on.
• Calls are presumptively limited to seven in seven days (12 C.F.R. § 1006.14(b)(2)) and false statements about the amount or legal status of the claim are barred (15 U.S.C. § 1692e(2)).
• Texas does not allow wage garnishment for ordinary consumer debts (Tex. Const. art. XVI, § 28).

Our FDCPA attorneys can review a Wilber letter and tell you whether the FDCPA applies.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Wilber & Associates or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• The Wilber Group: home page
• BBB business profile: Wilber & Associates, P.C. (facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Wilber and Associates, P.C., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Wilber & Associates has violated any law. Company details change; tell us if something here is out of date.