Williams & Fudge, Inc. is a family-owned collection agency in Rock Hill, South Carolina that works for colleges and universities. If it contacts you, a school has likely placed an unpaid student account or institutional loan with it.
- Type
- Collection agency
- Also known as
- RGS Financial, Inc.; Williams & Fudge
- Headquarters
- Rock Hill, SC
- Collects
- student loans, college and university balances
- Phone numbers it lists
- (800) 849-9791, (800) 551-5772
- Website
- wfcorp.com
601 debt collection complaints were sent to the Consumer Financial Protection Bureau about Williams & Fudge, Inc 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 Williams & Fudge?
Williams & Fudge, Inc. describes itself as a family-owned student loan and receivables collection company, founded in 1986, that helps higher-education institutions recover "education-related receivables." Its website lists its office at 300 Chatham Ave, Rock Hill, South Carolina 29730, and NMLS ID 952151. Its consumer portal lists the same Rock Hill address (Suite 200) for correspondence.
The main website gives (800) 849-9791 for account holders, and the consumer portal lists (800) 551-5772 with hours of 8 a.m. to 5 p.m. Eastern, Monday through Friday. Schools that use the agency often publish its number on their own collections pages; the University of Texas at Austin, for example, lists Williams & Fudge as one of four national agencies it contracts with.
Why Williams & Fudge May Be Contacting You
Williams & Fudge collects for colleges and universities, so a letter from it usually traces back to a school you attended. UT Austin's page, for instance, explains which past-due accounts it sends to its agencies. The placements it describes include:
- student loans that are months past due;
- institutional loans with no payment agreement in place;
- financial aid adjustments that were not repaid on time; and
- other university charges sent for collection.
Each school sets its own rules for when an account goes to an agency, so call the school's student accounts office as well as the agency if the balance surprises you.
How to Check a Debt Williams & Fudge Says You Owe
The school's bursar records are the best evidence, so request them early.
- Read the validation notice. It must name the school or other creditor and itemize the balance, including any collection costs added since the itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the student account ledger, the term the charges relate to, and records of financial aid disbursed or returned.
- Confirm who holds the debt. Ask whether the school still owns the account or whether it is a federal student loan, which follows different collection rules.
- Look at the collection costs. Some enrollment agreements allow the school to add collection costs; check what you signed.
- Consider the time limits. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Federal student loans are generally not subject to a limitations period, and other states set their own limits.
What Williams & Fudge Can and Can't Do
A private agency collecting school debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). For school accounts:
- It may only add collection costs if your agreement with the school or the law permits them (15 U.S.C. § 1692f(1)).
- It may not threaten consequences it cannot impose, such as wage garnishment of a private school debt without a court judgment; in Texas, wages generally cannot be garnished for ordinary consumer debts at all.
- Federal student loans are different: the government can use administrative wage garnishment and benefit offsets. See our update on federal student loan collections.
- More than seven calls in seven days about one account is presumed harassing (12 C.F.R. § 1006.14(b)(2)).
Questions about a school balance in collections? Visit our FDCPA attorneys page.
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 Williams & Fudge, Inc. 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
- Williams & Fudge: home page
- Williams & Fudge consumer portal (disclosures and contact information)
- University of Texas at Austin: Collection agencies
- CFPB Consumer Complaint Database: Williams & Fudge, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Williams & Fudge, Inc. has violated any law. Company details change; tell us if something here is out of date.