Spring Oaks Capital
Spring Oaks Capital, LLC is a debt buyer in Chesapeake, Virginia. Its site says it was established in 2019 and "purchases and services consumer credit accounts." If it contacts you, it is saying it bought an account you had with another lender, so ask for the validation notice and the name of the original creditor.
A debt buyer like Spring Oaks starts with a file from the seller, not your original paperwork. Asking who the original creditor was, when the account defaulted, and how the balance was calculated is how you find out whether the file is right.
Who Spring Oaks is
- What it does. "Spring Oaks Capital, LLC was established in 2019 and purchases and services consumer credit accounts" (Spring Oaks FAQ).
- Where it is. P.O. Box 1216, Chesapeake, VA 23327-1216 (contact page).
- Phone. The number listed on its contact page is 877-316-0090 (checked September 29, 2026). Its contact page also lists a separate number for New York City residents.
How to check that it is really Spring Oaks Capital
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. The number we found there is listed above.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What Spring Oaks Capital cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Sue or threaten to sue on a time-barred debt. Regulation F bans both (12 C.F.R. § 1006.26(b)). See zombie debt.
- Report a disputed debt without saying it is disputed. Failing to communicate that a debt is disputed is a false credit statement (15 U.S.C. § 1692e(8)). See debt you do not owe.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Call you more than 7 times in 7 days about one debt. More than seven telephone calls in seven consecutive days, or a call within seven days after a phone conversation about the debt, is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Texts and emails do not count toward that number. See too many calls.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
Log calls in the call log and save voicemails, letters and screenshots.
If Spring Oaks Capital sues you
A debt buyer can sue in its own name on an account it owns, usually through a law firm. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 5,570 complaints naming "Spring Oaks Capital, LLC" in the Consumer Financial Protection Bureau's complaint database, 4,495 of them about debt collection; 721 of the 5,570 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
New York City licenses. DCWP's list shows active debt collection agency licenses for Spring Oaks Capital, LLC (2117984-DCWP) and Spring Oaks Capital SPV, LLC (2097721-DCA), both expiring January 31, 2027, as of September 29, 2026 (NYC Open Data).
Government orders. We found no federal or New York enforcement order against Spring Oaks Capital to report here.
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Why is Spring Oaks Capital contacting me?
Spring Oaks says it purchases and services consumer credit accounts. It likely bought an account from your original lender. The validation notice should name that lender.
Is Spring Oaks Capital a real company?
It is a real company with New York City collection licenses. Impostors sometimes use real company names, so verify through your validation notice and a number from the company's own website.
What if I do not recognize the account?
Dispute it in writing within the validation period and ask for the original creditor and account details. Collection must pause until verification is mailed.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.