Williams, Rush & Associates, LLC (WRA) is a third-party collection agency based in Texas. WRA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading information in an effort to collect a debt and improper contact or sharing of information. If you have been contacted by WRA, make sure you understand your rights before responding.
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According to the BBB, Williams, Rush & Associates, LLC was founded and incorporated in 2011. The BBB established WRA’s profile page in 2012. WRA is listed as a collection agency and loan servicer. Buzzfile estimates WRA’s annual revenue at $1 million and the size of its headquarters staff at 8 employees.
According to its website, Williams, Rush & Associates is “committed to providing a full range of collection solutions by maximizing the percentage of outstanding receivables recovery in an efficient and expense-reducing way that ensures the client’s reputation is not impacted in a negative way.”
The Williams, Rush & Associates website does not provide a lot of detailed information about their business practices or client base. WRA “manages customer accounts receivables, holding down the expense of debt collections when those accounts go into default, and specializes in the collection of consumer and commercial debts.” In addition, WRA is “able to find people via…skip tracing software.” WRA’s “procedures are set up to provide maximum attention to each account…with…superior recovery services at all account levels.” WRA also utilizes a litigation division when “all collection remedies have been exhausted.”
Williams, Rush & Associates “core purpose… is to provide exceptional customer-focused outsourcing solutions.” They are a member of the Association of Credit and Collections Professionals (ACA). However, their website does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 16 complaints against Williams, Rush & Associates in the past three years, with 6 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 22 complaints against WRA. Justia lists at least 3 cases of civil litigation involving Williams, Rush & Associates.
Williams, Rush & Associates, LLC Contact Information
Williams, Rush & Associates, LLC
4144 N. Central Expy., Ste. 945
Dallas, TX 75204-2112
Telephone: (855) 869-9847
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Williams, Rush & Associates would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against Williams, Rush & Associates, LLC
Complaints against Williams, Rush & Associates often cite problem resulting from efforts to collect delinquent student loans. In September 2016, a complainant indicated she had been receiving calls from WRA regarding a delinquent student loan that belonged to her daughter. The complainant indicated that her daughter is an adult who had expressed to her mother that she had made every effort to work with Williams, Rush & Associates, but that WRA appears interested only in harassing and intimidating her daughter into paying the debt. The complainant alleged that the calls she was receiving were part of that harassment and represented an effort to attempt to influence her daughter by calling her. The complainant further alleged that the educational institute did her daughter a disservice, and that her daughter “is handling it better than she would, because she probably would have filed a lawsuit” against the institute. The complainant indicated that both she and her daughter had repeatedly asked WRA to stop calling the complainant, but Williams, Rush & Associates representatives continue to leave messages. She indicated further that she doesn’t “have time to play games” and wants to be excluded “from whatever it is that they need to do. If WRA feels they… need to take collections a step further, so be it, but…the complainant’s daughter does not involve the complainant in her affairs unless necessary and obviously she doesn’t feel that the complainant needs to be involved in this…The complainant didn’t co-sign or sign a promissory note on any contract with” the educational institute. She concluded her complaint by stating that if WRA wants “to contact the complainant’s daughter please call her and maybe… try to be a little more understanding of people’s situations and willing to work with them for a resolution rather than harassing and demanding what they can’t pay.”
In response, Williams, Rush & Associates indicated that they “reached out to assure the complainant that they have removed her phone number as a contact number. The reason she was receiving the calls is that her daughter listed her as a point of contact and listed her phone number on the application for the student loan. Williams, Rush & Associates apologized for any inconvenience this may have caused the consumer.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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