Stop Spring Oaks Phone Harassment Calls
Legal Rights Advocates can:
- Eliminate the debt
- Stop the harassment
- And get you up to $1000 if they violated the law!
STOP DEBT COLLECTION ABUSE NOW!
FREE CONSULTATION:
(855) 254-7841
Stop Harassing Collection Calls From Spring Oaks Capital
Approved under the consumer protection act, the Fair Debt Collection Practices Act (FDCPA) protects your rights against unfair, abusive and deceptive collection behavior.
FDCPA violations may include:
Call more than 5 times in one day
Calling before 8am or after 9pm
Use any abusive or obscene language
Contact any third party stating you owe a debt
Violence threats or any intent to harm you
Ask to pay more than what is owed
Make false or misrepresenting claims
Legal threats that you'll be arrested
We're Ready To Fight For You
Cash Compensation
Receive up to $1,000 in compensation.
Trade line deletion
Removal of negative reporting to credit
Debt Waiver
You will be paid in full amount
Cease and Desist
All communication from collector to consumer
Who is Spring Oaks Capital?
Spring Oaks Capital is a debt collection agency that specializes in purchasing and managing consumer receivables, which includes buying debts from original creditors or other debt holders. Once they own a particular debt, they attempt to collect on it, either directly or via third-party collection agencies.
Debt collectors, including Spring Oaks Capital, operate within the regulatory framework provided by federal laws such as the Fair Debt Collection Practices Act (FDCPA). This law provides consumers with protections against certain behaviors, such as harassment, misleading representation, and unfair practices by debt collectors.
Spring Oaks Capital Address: 1400 Crossways Blvd Suite 100B, Chesapeake, VA 23320 Phone: (833) 871-1866 Email: customerservice@springoakscapital.com
Website: https://www.springoakscapital.com
If you are contacted by Spring Oaks Capital or any debt collector, it’s crucial to know your rights. You have the right to request validation of the debt, to dispute it if you believe it’s not accurate, and to be treated fairly and without harassment.
Why is Spring Oaks Capital Calling Me?
Spring Oaks Capital is likely calling you because they have acquired a debt that they believe you owe. This means they either purchased the debt from an original creditor (like a credit card company or a bank) or they’ve been tasked with collecting on the debt. It’s essential to get all the details about the claimed debt, including verification of its validity.
Is Spring Oaks Capital Legit or are They a Scam?
Spring Oaks Capital is a legitimate debt collection agency that specializes in purchasing and managing consumer receivables.
However, as with all interactions with debt collectors, it’s essential to ensure that the specific claim or communication you’ve received is genuinely from them and not from an imposter or scam artist.
Always verify any debt and the collector before taking action or making a payment.
Can Spring Oaks Capital Sue Me or Garnish My Wages?
Yes, if Spring Oaks Capital owns a legitimate debt that you owe and you do not pay it, they have the legal right to sue you for the amount owed. If they obtain a judgment against you in court, they might be able to garnish your wages or take other collection actions, depending on the laws of your state.
However, they must follow all legal processes to do so, and you have rights and protections under laws like the FDCPA.
Is Spring Oaks Capital Engaging in Harassment?
While debt collection agencies have the right to communicate with consumers regarding unpaid debts, their behavior is subject to strict regulation, aimed at preventing harassment. Some potential harassment tactics that consumers have reported include:
- Excessive Calls and Texts: Repeatedly reaching out to consumers at unreasonable hours or employing aggressive communication methods can constitute harassment.
- Threats and Intimidation: Utilizing threatening language, intimidation tactics, or making false statements to coerce payment is a violation of the law.
- Misrepresentation: Misleading consumers about the amount owed, the consequences of non-payment, or the agency’s capacity to undertake legal actions is considered an abusive practice.
- Public Shaming: Disclosing a consumer’s debt situation to acquaintances, friends, or colleagues without explicit consent is a breach of privacy.
- Persistent Communication: Engaging in incessant communication even after a consumer has requested cessation, or continuing to make contact despite being informed of legal representation, constitutes harassment.
Shielding Oneself from Debt Harassment
For individuals who believe they are facing harassment from Spring Oaks Capital or any other debt collection agency, it is essential to fully understand their rights and take appropriate action to protect themselves. Here are several comprehensive steps to consider:
- Familiarize Yourself with Rights: Delve into the intricacies of the Fair Debt Collection Practices Act (FDCPA) and relevant state debt collection laws. These legal frameworks delineate permissible actions for debt collectors while curbing harassment.
- Document Thoroughly: Maintain meticulous records of all communications,
- including dates, times, and the substance of conversations. Such detailed documentation can serve as critical evidence if legal action becomes necessary.
- Request Debt Validation: If a consumer disputes a debt or requires further information, submitting a written request for debt validation within 30 days of initial contact is a prudent course of action. Legally, debt collectors are obligated to provide substantiation of the debt.
- Invoke a Cease and Desist: For individuals desiring to halt communication from Spring Oaks Capital, issuing a cease and desist letter stipulating written correspondence as the sole acceptable form of contact is advisable.
- Consultation with Legal Counsel: When consumers believe their rights are being violated, seeking advice from an attorney specializing in debt collection and consumer protection can be invaluable. These legal professionals can offer comprehensive guidance on the best course of action and potentially aid in initiating a lawsuit.
Legal Rights Advocates: Your Ally Against Debt Harassment
Legal Rights Advocates stands as an unwavering ally in the battle against deceptive and abusive debt collection practices. Our mission revolves around shielding consumers from harassment, misinformation, and unjust treatment. Our specialized areas of expertise encompass:
- Comprehensive education for consumers about the parameters of the FDCPA and other pertinent laws.
- Providing clarity in distinguishing between ethical debt collection practices and harassment.
- Assisting consumers in comprehending the array of available options when contemplating a lawsuit against Spring Oaks Capital or any other debt collection entity.
- Equipping consumers with an extensive array of resources for consumer protection and step-by-step guidance on submitting complaints against offenders.
Our accomplished team of attorneys is resolute in upholding your rights and ensuring that debt collectors operate within the parameters set by the law. Reach out to us today and become more informed of our in-depth insights into the many ways in which we can extend our unwavering support.
Spring Oaks Capital Phone Numbers
Some of the phone numbers that Spring Oaks Capital may use include:
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