Williams & Fudge

Last checked: August 12, 2026

Williams & Fudge is a debt collection agency headquartered in Rock Hill, SC. It has held a Texas surety bond continuously for 29 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 970408), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. It holds ACA International certification. Every fact below links to its public source with the date it was last checked.

29 years

of continuous verified Texas bond history on the Texas Secretary of State register. Williams & Fudge currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: July 8, 2026

What brings you here?

Two of the most common reasons people check a collector. Pick whichever fits.

A collector has contacted meWhat they are allowed to do, how to check the debt is really yours, and what to do next.I need to hire a collectorCompare agencies by verified track record and complaint history before you choose one.

Run a collection agency?See how we rank agencies, and how to get listed.

Verified facts about Williams & Fudge

Fact	Value	Source
Headquarters	Rock Hill, SC	Source: direct.sos.state.tx.us · Last checked: August 12, 2026
Year founded	1986	Source: direct.sos.state.tx.us · Last checked: August 12, 2026
Company type	Third-party agency	Source: direct.sos.state.tx.us · Last checked: August 12, 2026
Debt types handled	Student & Education	Source: direct.sos.state.tx.us · Last checked: August 12, 2026
Website	wfcorp.com
Texas surety bond history	29 years continuously bonded ActiveSoS File 970408· filed August 11, 1997· Travelers Casualty and Surety Company of America· bond 775224257TX Canceled Close FileSoS File 960244· filed December 30, 1996· canceled September 11, 1997· The North River Insurance Company· bond 6101992008TX300	Register: direct.sos.state.tx.us · Last checked: July 8, 2026
Certifications	ACA International	ACA International (Association of Credit and Collection Professionals)
CFPB complaints on record	1,273	CFPB database: consumerfinance.gov · Last checked: August 12, 2026

Common questions about Williams & Fudge

Is Williams & Fudge licensed to collect debt in Texas?

Yes. Williams & Fudge has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 970408), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked July 8, 2026.

What types of debt does Williams & Fudge specialize in collecting?

According to its own website, Williams & Fudge specializes in student and education collections, read July 10, 2026. A specialty is the agency's own published claim; this directory verifies the public register facts, not the claim. All declared student and education debt collection specialists are listed on our industry pages.

What certifications does Williams & Fudge hold?

Williams & Fudge holds ACA International (ACA International (Association of Credit and Collection Professionals)), checked against the issuing body's own public register.

Does Williams & Fudge have complaints on record?

The public CFPB Consumer Complaint Database records 1,273 debt-collection complaints referencing Williams & Fudge, as of August 12, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

Spot an error? Any agency may claim its profile and submit corrections via the corrections policy. Rankings are never for sale; see the methodology.