When Live Oak Financial reaches out about a debt, begin by checking whether the account details are correct and whether you already asked the company to stop contacting you. Its website says it may use phone calls, texts, and emails, and it also explains how consumers can opt out of certain messages.
A second issue also stands out in the public record. Recent litigation has focused on whether a disputed account was still reported to credit bureaus without being marked as disputed. That means this article is not just about call frequency. It is also about how the account is handled after you dispute it.
Who is Live Oak Financial Debt Collector?
Live Oak Financial company operates as a debt collection business based in Georgia. On its own website, it states that it is attempting to collect a debt and that information obtained may be used for that purpose.
That direct disclosure matters because it removes a lot of guesswork. The issue is not whether the company is real. The issue is how it communicates, how it handles disputes, and whether it reports the account accurately after a dispute is made.
Live Oak Financial Company contact details
| Item | Details |
| Company | Live Oak Financial Inc. |
| Albany office | 2401 Dawson Rd., Suite B-6, Albany, GA 31707 |
| Atlanta office | 3500 Lenox Rd., Suite 1500, Atlanta, GA 30326 |
| Main phone | (229) 435-1381 |
| Customer service email | customerservice@liveoakfinancialinc.com |
| Other listed numbers | (229) 883-7300, (800) 288-7305 |
| Fax | (229) 883-6058 |
The official website lists the Albany and Atlanta offices and says consent to communications may be revoked by calling the main number or emailing customer service.
Understanding Why Live Oak Financial May Contact You
The company may be contacting you about an unpaid account placed for collection. Its website says it works with clients and their customers to resolve debts and may use phone, email, and text communication where permitted.
That means the contact may not be limited to phone calls. Some people may be dealing with repeated texts, recurring emails, or credit reporting after a dispute. The right response depends on what kind of contact you received and whether you already opted out or disputed the account.
What to Review Before Dealing With Live Oak Financial
Before discussing payment, review these points:
- Whether the account is actually yours
- Whether you already disputed it
- Whether you replied STOP to any texts
- Whether you asked them to stop calling or emailing
- Whether the account appears on your credit report
- Whether the tradeline is marked as disputed
This order matters because one of the strongest recent court records involving this company focused on a debt that was allegedly disputed but not reported as disputed to credit bureaus.
What to Do If Live Oak Financial Keeps Sending Texts or Emails
Its contact page says consumers can opt out of text messages by replying STOP. It also says consumers can opt out of email through the unsubscribe method and may revoke consent by reasonable method using the published phone number or customer service email.
If you continue getting texts after opting out, save:
- The original message
- Your STOP reply
- The date and time
- Any messages that came after that
If emails continue after unsubscribing or a direct request, save the messages and note when you opted out. Those records matter more than a general statement that the contact felt excessive.
What to Do If You Already Disputed a Live Oak Financial Debt
If you disputed the account and it later appeared on your credit report without a dispute notation, save the report and any proof showing when you disputed it. A recent federal case involving this company focused on that exact issue.
This does not prove every dispute is mishandled. It does show that disputed-credit-report handling is a real issue worth checking closely.
What Public Business Profile Records Show
Public profile records show this company is not accredited and has an F rating, with complaint-response problems noted in the profile. That does not prove liability in every complaint, but it does suggest that keeping your own written record is important.
The practical takeaway is simple: do not rely only on phone conversations. If the account is wrong, disputed, or still being reported improperly, keep your own evidence.
What Public Court Records Reveal About Live Oak Financial
Federal court records show this company has appeared in several Fair Debt Collection Practices Act (FDCPA) related cases, including Windows, McGarrah, and Sayre. The most useful recent case is Sayre, because it focuses on whether a disputed account was still reported without being marked as disputed.
Older case captions also connect the company to CBV Collections Albany naming. That may matter if you have older letters or records under that name.
Why Consumer Rights Law Firm PLLC may help with Live Oak Financial Harassment
Legal review may help because the strongest issues here often involve:
- Repeated texts or emails after opt-out
- Consent revocation
- Disputed-debt credit reporting
- Unclear account handling after a dispute
Review of the contact history
The firm may review calls, texts, emails, letters, and credit reports to see whether contact continued after an opt-out or dispute.
Review of dispute reporting
If you disputed the account and it still was not marked as disputed, that may deserve closer review.
Review of next steps
Depending on the facts, that may involve dispute letters, credit-report review, consent-revocation issues, or broader FDCPA and Fair Credit Reporting Act (FCRA) analysis.
If you want help reviewing this type of collection problem, call Consumer Rights Law Firm PLLC at +1 877-700-5790.
Consumer Rights Law Firm PLLC Contact Details
- Address: 133 Main Street, Second Floor, North Andover, MA 01845
- Phone: +1 (888) 206-6886
- Fax: 844-636-9909
- Email: info@consumerlawfirm.com
- BBB: CRLF Batter Brue Business Profile
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Conclusion
Live Oak Financial Agency is different because its own website addresses texting, emailing, and consent revocation directly, and the strongest public case tied to it involves disputed-debt reporting. That gives you a better roadmap than a generic “stop the calls” article.
If you are dealing with this account, focus on whether you opted out, whether you disputed the debt, whether the tradeline was marked properly, and whether contact continued anyway.
FAQs
What is Live Oak Financial?
Live Oak Financial is a Georgia debt collection company with offices in Albany and Atlanta. Its website says it is a debt collector.
What is the Live Oak Financial Phone Number?
The main current phone number listed on the company site is (229) 435-1381.
Why am I getting calls from this company?
Live Oak Financial may be contacting you about an account placed for collection. Verify the account before making any payment.
Can they text me?
Yes, the company says it may send texts where permitted. You can reply STOP to opt out of future texts.
Can I stop their emails?
Yes. Use the unsubscribe option or revoke consent through the company’s phone number or customer service email.
What if I already disputed the debt?
Save proof of the dispute and review your credit report to see whether the account is marked as disputed.
Is Live Oak Financial a real company?
Yes. It has a public website, office addresses in Georgia, and published contact information.
Has this company been sued?
Yes. Public records show Fair Debt Collection Practices Act (FDCPA) related cases including Windows, McGarrah, and Sayre.
What do public profile records show?
They show complaint-response issues and an F rating on the business profile.
Who can help with Live Oak Financial issue?
Consumer Rights Law Firm PLLC can review the contact history, dispute handling, and credit-report issues. Call +1 877-700-5790.
