Williams & Fudge

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 has been licensed to collect in New York City continuously for 16 years, and currently holds an active Debt Collection Agency license with the NYC Department of Consumer and Worker Protection (1074538-DCA). It is a member of ACA International. Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

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: texas-sos.appianportalsgov.com · Last checked: October 5, 2026

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Public-record facts about Williams & Fudge

Fact	Value	Source
Headquarters	Rock Hill, SC	Named on: wfcorp.com · Last checked: September 24, 2026
Year founded	1986	Stated on: wfcorp.com · Last checked: September 24, 2026
Company type	Third-party agency	Classified by us from: wfcorp.com · Last checked: September 24, 2026
Debt types handled	Student & Education	Named on: wfcorp.com · Last checked: September 24, 2026
Website	wfcorp.com
Texas surety bond history	29 years continuously bonded Active SoS File 970408 · filed August 11, 1997 · Travelers Casualty and Surety Company of America · bond 775224257TX Canceled Close File SoS File 960244 · filed December 30, 1996 · canceled September 11, 1997 · The North River Insurance Company · bond 6101992008TX300	Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026 Earlier filings: read from the Secretary of State's former search, retired September 29, 2026
New York license history	16 years continuously licensed Active 1074538-DCA · filed May 11, 2010	Register: data.cityofnewyork.us · Last checked: September 29, 2026
Credentials	ACA International	ACA International (Association of Credit and Collection Professionals)
CFPB debt-collection complaints on record	1,300	CFPB database: consumerfinance.gov · Last checked: September 30, 2026

How to reach Williams & Fudge safely

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Common questions about Williams & Fudge

Is Williams & Fudge licensed to collect debt in Texas?

Williams & Fudge has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 970408), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects.

Is Williams & Fudge licensed to collect debt in New York City?

Yes. Williams & Fudge holds an active Debt Collection Agency license with the New York City Department of Consumer and Worker Protection (license 1074538-DCA), last checked September 29, 2026. New York City requires this license of any business whose principal purpose is collecting personal or household debts from NYC residents, wherever the business itself is based.

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 company'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 credentials does Williams & Fudge hold?

Williams & Fudge is a member of ACA International (Association of Credit and Collection Professionals), listed in the body's own member directory.

Does Williams & Fudge have complaints on record?

The public CFPB Consumer Complaint Database records 1,300 debt-collection complaints referencing Williams & Fudge, as of September 30, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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