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.

Frost Echols offers national representation of the accounts receivable management industry. We provide risk management, compliance advice, counseling, virtual general counsel services, regulatory representation, and litigation defense.

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 business. While many common challenges exist, the firm is able to tailor its compliance counsel toward the particular needs facing each collection industry market sector.


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 or 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
  • Attorneys admitted in South Carolina, North Carolina, Florida, Texas, Arkansas, Missouri, Oklahoma, Iowa, Illinois, Indiana, and Michigan
  • Member of ACA International

Our Offices

South Carolina

224 Oakland Avenue
Rock Hill, SC 29730


18383 Preston Road, Suite 350
Dallas, TX 75252


301 W. Bay Street, Suite 1440
Jacksonville, FL 32202


1501 Technology Parkway, Suite 400
Cedar Falls, Iowa 50613

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 Frost Echols. In the current collection environment I am glad to be associated with attorneys that understand the issues, our executive team enjoys working with, and is singularly focused the compliance and defense of the collection industry. The attorneys at Frost Echols are advocates for our company and friends with our company.
Chairman of the Board, Williams & Fudge, Inc.

Gary Williams

Contact Us

We aggressively and competently represent our clients and have a nationwide presense with attorneys admitted in South Carolina, North Carolina, Florida, Texas, Arkansas, Missouri, Oklahoma, Iowa, Illinois, Indiana, and Michigan.


Mailing Address

PO Box 12645
Rock Hill, SC 29731

Attorneys licensed to practice in Iowa, Texas, South Carolina, North Carolina, Florida, Arkansas, Michigan, Oklahoma, Illinois, Indiana, and Missouri. We may associate counsel in other states depending on the nature of your case. This World Wide Website has been developed by to provide general information about our practice. Persons viewing or using our site should note the following: No Attorney-Client Relationship Created by Use of this Website: Neither your use of this website, any information contained herein or any attempts to contact Frost Echols, LLC or any attorney employed by us, creates an attorney-client relationship between you and any firm attorney. Attorney-client relationships with our firm and its lawyers can only be established through direct person-to-person contact and only after a specific letter of engagement has been expressly agreed to between our firm and a client. If other counsel is associated, we will fully disclose to you in writing the terms of that association, including the manner in which any fees are billed and/or divided. You should not provide any confidential information to our firm through e-mail or otherwise.