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Chad V. Echols

A Rock Hill native, Chad graduated in 1998 from Clemson University with a Bachelor of Science in Forest Resource Management. He received his law degree in 2002 from the University of South Carolina School of Law, where he was a member of the South Carolina Environmental Law Journal. Following law school, Chad was a law clerk for the Honorable John C. Hayes III in the Sixteenth Judicial Circuit of South Carolina.

Before forming The Echols Firm, LLC, Chad served as Vice President and General Counsel for Williams & Fudge, Inc., a national student loan collection agency located in Rock Hill, and was an attorney with the law firm Hamilton, Martens & Ballou, LLC. He continues to serve as Vice President and Outside General Counsel to Williams & Fudge, Inc.

The firm’s practice focuses on the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, compliance for collection agencies and debt purchasers, business law, litigation, and commercial collections. He is a member of the South Carolina Bar Association.

Chad serves on the Board of Directors for the Good Folks of York County, Upper Palmetto YMCA Camp Cherokee, York County Clemson Club, and is a Co-Vice Chair for the 2017 Come-See-Me Festival.

Chad has considerable experience in all areas associated with defense and compliance regarding pre-default and post-default debt collection and practices primarily in the area of business law and litigation, including:

  • Federal and State Trial and Appellate Representation
  • Construction Litigation
  • Commercial Litigation
  • Arbitration and Mediation
  • Banking and Financial Services Litigation

Chad is an active member of ACA International, the Association of Credit and Collection Professionals.  His contributions include:

  • Professional Collections Specialist Certificate since 2005
  • 2006-2008  Members’ Attorney Program (MAP) Committee
  • 2008-2009  MAP Committee Chairperson
  • 2009-2011  ACA Board of Directors
  • 2011-present  South Carolina State Legislative Chair
  • 2011-present  South Carolina MAP State Chair
  • 2012-2013  ACA Industry Defense Task Force Committee
  • 2013  ACA Scholar Designation
  • Collection Notice Review (CNR) Panel
  • 2014-present ACA Judicial Committee
  • Unit Secretary/Treasurer for the South Carolina Collectors Association

Bar and Court Admissions

  • South Carolina
  • United States District Court For the District of South Carolina
  • The Fourth Circuit Court of Appeals

Chad Echols and David Stocker, New Focus on Student Loans: Recent lawsuits question the practice of adding collection costs to nonfederal student debts, 74, n.7 Collector Magazine (mag. of ACA International) (30 February 2009)