Who Is Spring Oaks Capital? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Spring Oaks Capital
- Address to send a debt validation letter
- Spring Oaks Capital, LLC P.O. Box 1216 Chesapeake, VA 23327-1216
- Phone
- 1-866-281-3065
- Official website
- https://springoakscapital.com
As of 2026-08-06 — verify before mailing anything important, since collectors do change addresses.
Spring Oaks Capital is a debt buyer and third-party collection company — it purchases past-due consumer accounts from banks and other original lenders and then tries to collect the full amount. If Spring Oaks Capital is contacting you, it almost always means an account was sold after the original creditor stopped trying to collect it directly. Since debt can change hands more than once and paperwork doesn’t always follow cleanly, it’s worth asking them to validate the debt before paying or agreeing to anything.
Questions & Answers
Is Spring Oaks Capital a legitimate debt collector?
Spring Oaks Capital shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Spring Oaks Capital from calling me?
Under the FDCPA, you can send Spring Oaks Capital a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Spring Oaks Capital?
Send a written debt validation request to Spring Oaks Capital's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Spring Oaks Capital on my credit report?
If Spring Oaks Capital is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- Spring Oaks Capital — Contact Us— springoakscapital.com