ABOUT COLLECTION SERVICES RESOURCES BLOG & INSIGHTS TEAM CAREERS CLIENTS ACCOUNT HOLDERS Frequently Asked Questions Home » Frequently Asked Questions We regularly get questions from clients and consumers about Williams & Fudge. We gathered our most popular questions into one simple FAQs page. If for any reason we have not answered your question below, please reach out to consumerassistance@wfcorp.com What Is Williams & Fudge, Inc.? Williams & Fudge, Inc. was founded in 1986 and is a family owned business headquartered in Rock Hill, SC. As established leaders in the debt collection industry. Williams & Fudge, Inc. is committed to providing quality experiences, respecting the consumer, honoring each other, maintaining ethical conduct and being good citizens within our community. Williams & Fudge, Inc. aids creditors in the recovery of past due receivables. Is Williams & Fudge Legit? Yes, Williams & Fudge, Inc. is a professional debt collection agency licensed to collect in all 50 states. Find out more in the About Page of our website or visit wfcares.com Who Does Williams & Fudge Collect For? Williams & Fudge, Inc. collects for organizations in various industries; including student loans, financial services, retail, telecom and utility. We service clients across the United States and continue to support needs across multiple verticals, aiding with the collection of outstanding loans and unpaid balances. What Sets Williams & Fudge, Inc. Apart? Williams & Fudge, Inc. is committed to delivering a quality experience to consumers by offering flexible option and continually investing in technology, training and human resources. To foster positive outcomes for clients and consumers, it is essential that we communicate effectively and take time to understand the circumstances of each individual so that we are able to identify viable options and solutions. At Williams & Fudge, Inc. we offer flexible tools and resources, allowing consumers an opportunity to take control of and resolve their debts. Our understanding and innovative approach, ensures quality experiences, making us a preferred agency partner to clients and consumers across the U.S. How Do I Contact Williams & Fudge? You can contact Williams & Fudge in a number of ways: Through our Toll-Free Number: 1.800.849.9791 You can submit a request on wfcares.com Clients and Consumers are able to contact their account representative directly via email and phone. How Do I Pay Williams & Fudge? We make the payment process easy! You can pay Williams & Fudge, Inc. by contacting your account representative directly or accessing your account at paywfc.com What Is PayWFC.Com? PayWFC is Williams & Fudge’s proprietary system that allows consumers a secure way to access their account. Through PayWFC consumers can manage their account, make a payment and contact their account representative. Why Is Williams & Fudge Contacting Me? Williams & Fudge, Inc. utilizes different communications methods such as phone calls, letters, and/or emails to notify consumers and further discuss the outstanding matter. These communications are used to provide consumers with details needed to understand the debt, such as the balance owed, who the debt is owed to as well as options for resolving the matter. Throughout the debt collections process, it is important for us to communicate effectively, working together to identify and understand options available that will lead to resolution and positive outcomes for all parties involved. Why Is Williams & Fudge Asking For My Personal Information? Williams & Fudge, Inc. operates under the Fair Debt Collection Practices Act (FDCPA). A debt collector is not permitted to disclose information about a consumer’s account to anyone other than the account holder. Legitimate debt collectors will ask questions to verify your identity. Debt collectors must verify personal information to ensure that they are indeed speaking with the right person before starting to discuss the matter. You may be asked to verify a combination of information, including but not limited to your full name, date of birth, last four digits of our Social Security Number (SSN) and complete mailing address. Can I Negotiate With Williams & Fudge? Yes. Our account representatives are looking to help each consumer resolve their outstanding balance. We want to make an arrangement that works well with you and your situation. Our Account representatives will discuss your situation and identify the best way to handle your specific needs. How Do I Stop Williams & Fudge From Contacting Me? The best way to get Williams & Fudge, Inc. to stop calling is to communicate your situation with one of our account representatives. By communicating with us, we can learn more about your situation and plan for the best communication strategy moving forward. I Don’T Recognize The Debt That Williams & Fudge, Inc. Is Contacting Me About. What Do I Do? If you don’t recognize the debt Williams & Fudge, Inc. is reaching out about, you may dispute your debt or contact us via email at consumerassistance@wfcorp.com by phone 1.800.849.9791 (Monday-Friday). Our team is available and willing to answer your questions and help with getting the matter resolved. Williams & Fudge, Inc. will honor all disputes. If we receive a consumer dispute, we will pause collection efforts until we are able to provide validation and documentation of the debt in accordance with the FDCPA. Does Williams & Fudge, Inc. Report To Credit Bureaus? Williams & Fudge, Inc. reports to one or more credit bureaus if requested by the client. How Will My Debt Placed With Williams & Fudge, Inc. Affect My Credit Scores? Williams & Fudge, Inc. cannot speculate on the impact a payment or non-payment would have on your credit report, credit worthiness, or credit score. You can contact one of the three credit reporting agencies for more information (Equifax, Experian, TransUnion). To learn more about your rights in terms of credit reporting, visit the FTC’s post about Credit and Your Consumer Rights. How Long Does It Take To See An Update On My Credit Report? Williams & Fudge, Inc. cannot speculate on the impact a payment or non-payment would have on your credit report, credit worthiness, or credit score. You can contact one of the three credit reporting agencies for more information (Equifax, Experian, TransUnion). To learn more about your rights in terms of credit reporting, visit the FTC’s post about Credit and Your Consumer Rights. 1.800.849.9791 300 Chatham Ave Rock Hill, SC 29730 Home About Frequently Asked Questions Services Resources Careers Williams & Fudge Cares Williams & Fudge, Inc. Affirmative Action Plan California Consumer Privacy Act New York City Consumers ©2016 WILLIAMS & FUDGE