Williams, Rush & Associates, LLC (WRA) is a Dallas-based collection agency that has operated since 2011. It collects past-due accounts for businesses and reports accounts to Equifax, Experian and TransUnion.
- Type
- Collection agency
- Also known as
- Williams, Rush & Associates, LLC; Williams Rush & Associates; WRA
- Headquarters
- Dallas, TX
- Phone numbers it lists
- (855) 869-9847
- Website
- williamsrush-associates.com
440 debt collection complaints were sent to the Consumer Financial Protection Bureau about Williams, Rush & Associates, LLC 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, Rush & Associates?
Williams, Rush & Associates, LLC, which calls itself WRA, is a collection agency headquartered at 4144 N. Central Expressway, Suite 945, in Dallas. Its website says it has provided collection services since 2011, is "licensed nationally," and belongs to ACA International and the Receivables Management Association International. It names Sean Williams as its chief compliance officer.
WRA describes its approach as "positive collections" and lists Austin, Dallas, Fort Worth, Houston and San Antonio among the areas it serves, so many of the people it contacts are Texans.
Why Williams, Rush & Associates May Be Contacting You
WRA doesn't publish a list of its clients or the industries it serves. Its services page describes primary and secondary account collection, early-out programs (handling accounts shortly after they fall behind, sometimes in the creditor's name), pre-collection letter series and revenue-cycle management. So the creditor behind a WRA letter could be one of many kinds of business; the validation notice is where you'll find out which.
The company states that it reports to all three credit bureaus: Equifax, Experian and TransUnion. Many people first learn about a WRA account when it appears on a credit report. Its listed number for customer service and consumer complaints is (855) 869-9847.
How to Check a Debt Williams, Rush & Associates Says You Owe
If you found a WRA collection on your credit report before you ever got a letter, start by asking for the paperwork.
- Request the validation information. A collector must send it within five days of its first communication (15 U.S.C. § 1692g), and Regulation F says what it must contain (12 C.F.R. § 1006.34). Under Regulation F, a collector also generally can't report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- Dispute in writing within the validation period if you don't recognize the account or the balance. You can also dispute the tradeline directly with each credit bureau under the Fair Credit Reporting Act.
- Ask who the original creditor is, what the account number was, and whether the creditor still owns it.
- Compare the itemized amount with your own records, including any payments or insurance credits.
- Check the age of the debt. Most Texas debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states have different limits.
What Williams, Rush & Associates Can and Can't Do
WRA collects debts owed to other businesses, making it a "debt collector" under 15 U.S.C. § 1692a(6), and a third-party collector under the Texas Debt Collection Act. Because credit reporting is part of its model, these rules matter most:
- It can't report information it knows or should know is false, and if you've disputed the debt it must report it as disputed (15 U.S.C. § 1692e(8)).
- It can't suggest that paying will lead to a deletion unless that's actually the agreement; get any deletion promise in writing.
- Regulation F limits calls to seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- Texas law separately requires third-party collectors to file a surety bond with the Texas Secretary of State (Tex. Fin. Code § 392.101).
- Wage garnishment isn't available in Texas for an ordinary consumer debt.
If a collection account on your report looks wrong, or the collector's conduct worried you, our FDCPA attorneys can take a look.
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, Rush & 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
- Williams Rush & Associates: home page
- Williams Rush & Associates: About
- Williams Rush & Associates: Services
- CFPB Consumer Complaint Database: Williams, Rush & Associates, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Williams, Rush & Associates has violated any law. Company details change; tell us if something here is out of date.