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.
The harassing company pays our fees.
They’re legit. 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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
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
4144 N. Central Expy., Ste. 945
Dallas, TX 75204-2112
Telephone: (855) 869-9847
Website: http://www.williamsrush-associates.com/
It is illegal for a debt collector to make empty threats 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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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
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.”
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
Your debt harassment checklist:
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“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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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Student loans are still on hold until august 2023. For the last few years I haven’t seen my student debt go either up or down… now all of a sudden there’s magically an account in collections by William rush & associate, someone I’ve never heard of for an additional $1766. I don’t know of any other student loans, grants or interest put on my original student loans that have been on pause since Covid. Never received a letter, never received phone calls, or emails. I have 0 documentation or information on what this is. However it is making my credit sink dramatically.
I just recently received a notification from my credit alerts that I owe a “ghost debt” in an amount of approximately $4800, to William Rush and Associates.
This debt is ABSOLUTELY BOGUS for several reasons which are listed as follows…
#It attempts to piggy-back off a debt that was CHARGED-OFF by BHFC Financial over 2 years ago, for an amount of approximately $1,800.
#That account was SETTLED by returning the asset
#That account was NO LONGER PURSUED FOR PRINCIPLE OR INTEREST after being contacted by my attorney during that time.
#My entire credit report history from then till now bears that account was charged off and also shows that there were no further actions or pursuit of debt or interest
#As of this month, my report appears as if I opened a new account on September 1st of this year with BHFC for the same account from over 2 years ago!!!!
Absolutely not, I am hearing up for individual action, and class action, as well as drawing up a new proposal to be presented possibly to legislators and congress barring creditors, third party credit agents, and credit bureaus from pursuing and publishing debts that consist of FRAUDULENT INTEREST and FRAUDULENT CHARGES.