A Boutique Law Firm Committed to the Nationwide Protection of Creditors and the Collection Industry

We are focused on all aspects of creditor and collection defense and compliance.

The Echols Firm’s emphasis is compliance guidance and defense counsel for matters involving the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Telephone Consumer Protection Act. The Firm handles all aspects of creditor issues including commercial collection actions.

Primary Practice Areas

We are experienced in finding solutions to assist creditors and collection agencies in fighting the entrepreneurial consumer bar and predatory consumer counsel.

As a boutique law firm defending the credit and collection industry, we emphasize creditor's rights and strong compliance policies. The firm has experience in assisting with all matters necessary to defend a company facing consumer and commercial litigation.

We are keenly aware of the cost-benefit analysis associated with instituting, maintaining, and continuing a litigation matter. Let us work for you.


Civil Litigation

We handle civil litigation matters for businesses with an emphasis on defending the credit and collection industry in both the federal and state courts.



We negotiate and draft commercial contracts and assist business entities with negotiating vendor and/or client agreements. Additionally, we handle the creation and negotiation of account portfolio purchase agreements. Many business disputes could be avoided by investing more time and resources in the initial effort to properly establish the obligations and liabilities of the parties.


Business Disputes

We handle a wide range of commercial disputes, including those that involve contracts, insurance coverage, partnership controversies, professional malpractice and violations of the Uniform Commercial Code (UCC).


Debt Collection Compliance

We have extensive experience advising debt collection and debt purchasing entities with the myriad of state and federal laws and regulations necessary to operate a compliant debt collection business. While many common challenges exist, the firm is able to tailor its compliance counsel toward the particular needs facing each market sector of the collection industry.


Arbitration & Mediation

Litigation and the eventual trial can use up an extraordinary amount of time, energy and resources. For that reason, it is often wise for the parties to try and resolve their dispute through alternative dispute resolution options such as mediation and arbitration.

Our focus on and commitment to the industry helps companies better understand the law, deters ongoing violations, and lessens legal expenses in the long term.

Our Experience

  • Federal and State Trial and Appellate Representation
  • Arbitration and Mediation
  • Admission to the United States District Court for South Carolina
  • Admission to the United States District Court for North Carolina for all three districts
  • Member of ACA International
  • South Carolina MAP State Chair 2011 to present
  • Professional Collections Specialist Certificate since 2005
  • Worked to adjust North Carolina law to specify language beneficial to the credit and collection industry

We Support


Client's Perspective

Williams & Fudge, Inc. faces each and all of the collection industry's challenges with confidence because of the company's trusted relationship with Chad and The Echols Firm. In the current collection environment I am glad to be associated with counsel that understands the issues, that my executive team enjoys working with, and that is focused on defending the collection industry. Chad is my attorney and his firm is an advocate for my company, but most importantly he is my friend.
Chairman of the Board, Williams & Fudge, Inc.

Gary Williams