Spring Oaks Capital Debt Collection Harassment?

Spring Oaks Capital Debt Collection Harassment?

When you default on your loan or credit card payments for a long time, your account may get sent to a collection agency like Spring Oaks Capital who begins to follow you up for the debt. These sorts of collection agencies are known as third-party debt collectors and they are legally licensed to do everything they deem necessary to get you to resolve your delinquent debt account, provided that it is within the boundaries of what is considered legal and ethical. These third-party debt collectors get paid only if they successfully get debtors to pay what they owe. This is perhaps the reason why debt collectors could be passionate and sometimes even aggressive about getting you to resolve your delinquent debt account.

It is legal for debt collectors to put pressure on you to pay up your debt. That is what they are paid to do. This is how they make money. What’s not legal is employing deceptive, abusive, and unfair practices while trying to collect a debt. Such unfair practices include using profanity or abusive language when speaking to you, calling you before 8:00 a.m. or after 9:00 p.m., calling you multiple times a day, talking to other unauthorized persons about your debt, calling your workplace even when they have been told not to, threatening to sue you, harm you, or destroy your credit, or telling you or anyone else that your debt makes you a criminal.

The FDCPA prohibits all forms of unfair and deceptive methods of debt collection and provides an avenue for you to get justice against an erring debt collection agency by suing them to court. If Spring Oaks Capital is guilty of violating any of your FDCPA rights, you may be able to recover statutory damages of up to $1000 per violation. Call us today at 877-700-5790 to determine if you have a viable case.

How do I know if Spring Oaks Capital is guilty of Debt Collection Harassment? 

It is totally annoying and unfair to be subjected to constant harassment from debt collectors. Regardless of the amount that you owe, nobody should be made to go through the torturous ordeal that is debt collection harassment. Various ways in which collection agencies may be harassing you include:

– Calling you nonstop

– Threatening and scaring you

– Using obscene and profane words while communicating with you

– Telling your family or friends information about your debt

– Calling you at odd hours (Before 8 am or after 9 pm)

If a collection agency is doing any of the above to you, they are violating the FDCPA (Fair Debt Collection Practices Act) and that is an offense punishable under the law. Call us now on 877-700-5790.

What do I do if I suspect that I’m being harassed by Spring Oaks Capital?

If you have experienced or are still experiencing any form of harassment from collection agencies, you must be aware that it is unlawful. Don’t be scared to silence by their threats. You should take action.

First, communicate to the debt collector and let them know that they are violating your consumer rights under the FDCPA, and if they continue, you will be forced to take some form of legal action. Debt collectors know your rights, they just hope that you don’t. When a debt collector sees that you have sufficient knowledge about your debt collection rights, they will most likely stop the harassment because they know the legal implications of their unethical actions.

If the debt collection harassment doesn’t stop, send a cease-and-desist letter, telling the agency not to contact you further. This will not stop the collector from collecting on the debt, neither will it stop them from taking legal action against you, however, it will stop all the harassing calls and voice messages that you are currently receiving. After they receive your letter, the debt collector is not allowed to call you except to inform you that certain legal actions could (or would) be taken against you.

If debt collectors continue calling you after a cease-and-desist letter, you should file a complaint to your state Attorney General or sue the debt collector to court.

Is Spring Oaks Capital a Scam?

According to the Better Business Bureau website, Spring Oaks Capital has been in business since 2019. There have been 360 complaints closed in the last 3 years and 225 complaints closed in the last 12 months. Read more about it here: Spring Oaks Capital Better Business Bureau.

Who is Credit Control?

Spring Oaks Capital is a third-party debt collector located in Chesapeake, Virginia.

Contact Information

Address: 1400 Crossways Blvd STE 100B

Chesapeake, VA 23320-0207

Phone: (866) 281-3065

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. Contact our office to begin the process of stopping the harassment you may be currently facing from a third-party debt collector. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance. 

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

Virginia Attorney General

Consumer Finance