Frequently Asked Questions

Your account has been transferred to or purchased by Spring Oaks Capital and we're reaching out to connect about next steps. We know hearing from a new company can feel unexpected, so please don't hesitate to reach out to us at 877-316-0090 if you have any questions.

This debt may not appear familiar for several reasons, including the age of the account, a different original creditor name, or transfer of ownership. For assistance reviewing the details, please contact us at 877-316-0090.

You can find the original creditor's name by logging in to our online portal. We also include it in written correspondence. If you can't locate it, call us at 877-316-0090 and we can provide it to you.

Your contact information was included with the account records when the account was transferred or purchased, in addition to other sources of information. We only use it to reach you about your account.

Spring Oaks Capital, LLC was established in 2019 and purchases and services consumer credit accounts. We work with people to resolve past-due balances.

We work with people who have past-due accounts to figure out a resolution that fits their situation — whether that's a payment plan, a reduced payment, or paying in full. We'll walk you through what's available so you can make an informed decision.

We're headquartered in Chesapeake, Virginia. Our mailing address is P.O. Box 1216, Chesapeake, VA 23327-1216.

You can reach us by phone at 877-316-0090, by email at [email protected], by mail at P.O. Box 1216, Chesapeake, VA 23327-1216, or online through our Contact Page. You can also review your details and make payments by logging in to our online portal.

Your reference number helps us find your account quickly — it's on any letter or email we've sent you. If you don't have it, we can identify your account using additional information.

Options vary but can include paying in full, setting up a payment plan, or in some instances, resolving for less than the full balance. Call us at 877-316-0090 to review your available options.

Yes, many accounts qualify for a payment plan. Call us at 877-316-0090 and we'll work with you to find a solution that fits.

We do our best to work within what's manageable for you. Tell us your budget and we will work with you to find a solution that fits.

Circumstances change — we understand that. If you need to modify or pause your plan, call us at 877-316-0090 and we'll work together to find available solutions.

Missing a payment can affect your arrangement, but you still have options. Call us at 877-316-0090 to get back on track.

Spring Oaks Capital has flexible payment options to help you resolve your balance and start making steady progress in a way that fits your life. Call us at 877-316-0090 and we'll walk you through what's available for your account.

You can pay through our online portal, over the phone at 877-316-0090 or through mail at Spring Oaks Capital, LLC
P.O. Box 1216
Chesapeake, VA 23327-1216

Yes — you can pay through our online portal. If you'd rather pay by phone, that works too.

We accept credit or debit card, checks, money orders, cash and bank transfer (ACH).

Yes, recurring payment plans are available.

Yes, a third party can make a payment on your behalf. Call us at 877-316-0090 to make sure it's handled correctly.

Each account balance must be resolved separately. You can view your accounts through our online portal or give us a call at 877-316-0090, we'd be happy to help you resolve your accounts.

Yes — you can schedule a future payment date by logging in to the online portal or by calling us at 877-316-0090

Spring Oaks Capital does not charge any fees for making a payment.

Spring Oaks Capital has flexible payment options to help you resolve your balance and start making steady progress in a way that fits your life. We'd encourage you to get in touch even if you can't pay right now. There may be a reduced plan, or another option that fits where you are. Call us at 877-316-0090 and we'll walk you through what's available for your account.

Yes, let us know whether you prefer phone, email, text, or mail and we will update your account accordingly.

In many cases, yes. Tell us your preference and we'll do what we can to reach you that way.

If Spring Oaks Capital, LLC is reporting your account to a credit reporting agency, within 30 days of receipt of the final payment resolving your account, Spring Oaks Capital, LLC will request deletion of its tradeline from your credit report.

Where applicable, we may report to the three major credit reporting agencies, Equifax, Experian and TransUnion.

Yes, see our Privacy Policy for more information.

Yes, we use secure payment processing in our online portal.