Letters & Phone Calls.

A phone call or letter is always our first attempt at collection.  These calls and letters are typically sent and made on behalf of the university.  At this stage we would like to alert you of the debt and work towards repayment solutions.  This stage is the first step of the process and we want to make it easy on the borrower.  

What It Means if You Receive a Letter or Phone Call?

If you receive a letter or phone call from Williams & Fudge, it means that we have been contacted to help recover a higher-education debt you owe. We will make every effort to get in touch with you directly and inform you of the details of this debt, including:

  • The amount of the debt
  • The name of creditor to whom you owe the debt
  • Your right to request validation of the debt

We will contact you between 8 a.m. and 9 p.m. in your local time. We might contact you at work, unless you have informed us that contacting you at a specific time or location is inconvenient for you. If that is the case, please let us know, and we will make every effort to contact you when it is most convenient for you.

What your next steps should be

There are few things you should do if you receive a letter of phone call from Williams & Fudge. Once you know the creditor and the amount owed, we recommend that you attempt to resolve or clarify the debt as quickly as possible, especially if:

  • You don’t think you owe a debt
  • You can’t repay the balance immediately
  • You think the collector is contacting you in error
  • You need more information
  • You want to discuss payment arrangements
  • You want to learn about the consolidation of a Federal Perkins Student Loan, if applicable

WF Cares is here to help you find the answers you need to move forward. Contrary to the frightening or aggressive image debt collector might conjure, our agents are ready and willing to work with you to reach a solution that works for all parties.

Williams & Fudge Cares

Please use the form below for questions, concerns, or any other issues.