Debt collection -- Took or threatened to take negative or legal action -- Complaint #18064812
Debt Collector Threatens Arrest for Unpaid Debt
Complaint Overview
Complaint ID: 18064812
Company: Williams, Rush & Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay
State: South Carolina
ZIP Code: 29605
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Threatening arrest for debt is illegal and a serious violation of debt collection laws, indicating a high risk of misconduct.
Consumer Sentiment: negative
Topics: Debt collection, Harassment
AI Analysis
CFPB complaint 18064812 was filed against Williams, Rush & Associates, LLC regarding Debt collection (I do not know), specifically about "Took or threatened to take negative or legal action". A consumer reported that Williams, Rush & Associates, LLC threatened to arrest them if they did not pay their debt. The complaint was received on November 30, 2025 from South Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If a debt collector threatens arrest, do not engage further and report the incident immediately to the CFPB and your state's Attorney General.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using threats of illegal actions, such as arrest, to collect debts.
Regulatory Insight
This behavior suggests a potential pattern of illegal debt collection tactics by the company, warranting close regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In South Carolina, as in other states, threatening arrest for debt is a violation of consumer protection laws.
Industry Comparison
While most debt collectors adhere to regulations, isolated incidents of extreme threats like this can occur, but are not representative of the industry as a whole.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064812 about?
CFPB complaint 18064812 involves Debt collection (I do not know). The consumer reported an issue with "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This complaint was filed against Williams, Rush & Associates, LLC on November 30, 2025.
Which company is complaint 18064812 filed against?
Complaint 18064812 was filed against Williams, Rush & Associates, LLC. You can view all complaints against this company on their profile page at /company/williams-rush-associates-llc.
What was the company's response to complaint 18064812?
Williams, Rush & Associates, LLC responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 18064812 filed?
Complaint 18064812 was received by the CFPB on November 30, 2025. It was sent to Williams, Rush & Associates, LLC on November 30, 2025.
What state was complaint 18064812 filed from?
Complaint 18064812 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 18064812?
Dispute information is not available for complaint 18064812.
What product category is complaint 18064812 about?
Complaint 18064812 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18064812 submitted?
Complaint 18064812 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18064812?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using threats of illegal actions, such as arrest, to collect debts. This relates to a Debt collection complaint against Williams, Rush & Associates, LLC involving "Took or threatened to take negative or legal action".
How likely is complaint 18064812 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 18064812?
This complaint is rated as high risk. Threatening arrest for debt is illegal and a serious violation of debt collection laws, indicating a high risk of misconduct.
What regulatory actions apply to complaint 18064812?
This behavior suggests a potential pattern of illegal debt collection tactics by the company, warranting close regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18064812?
If a debt collector threatens arrest, do not engage further and report the incident immediately to the CFPB and your state's Attorney General.
Are there state-specific protections for complaint 18064812?
In South Carolina, as in other states, threatening arrest for debt is a violation of consumer protection laws. This complaint was filed from South Carolina.
How does complaint 18064812 compare to industry norms?
While most debt collectors adhere to regulations, isolated incidents of extreme threats like this can occur, but are not representative of the industry as a whole.
What specific actions can the CFPB take against a debt collector who threatens arrest?
The CFPB can investigate the complaint, issue warnings, impose fines, and take legal action against the debt collector for violating the FDCPA.
Besides the CFPB, who else should the consumer report this to?
The consumer should also report this to their state's Attorney General's office, as state laws may also prohibit such threats and offer additional avenues for recourse.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.