757-317-5072

Sent a text telling me that they will settle a debt for only $801.00 and that they are a debt collector.  Problem is that they called a state cell phone that is not associated with my name other than work.  Would not be on any debts that I have.  I also am not aware of any debt that I would have that is in collections.  Spam attempt!

Bubba1sc wrote:

Spam attempt!

No - Scam attempt!
A Scam is where someone wants to separate you from your hard earned money through illegal means.
Spam is an unwanted communication, classically an advertisement but it can be other things.  The term was coined for such communications in the early days of email.  It was named such since the emails, like the well known tinned meat product, are unwanted by most people.  The term has continued to be used for unwanted emails as well as unwanted telephone calls and texts.
While the call might be considered Spam since it is unwanted, the intent behind it is to Scam you.
When it comes to classifying an email/call/text the classification of Scam always trumps Spam.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

SPRING OAKS CAPITAL, LLC AKA SPRING OAKS CAPITAL SPV, LLC.

Website lists an address in Virginia:   https://springoakscapital.com/contact-us

BBB gives them an accredited B rating (down from an A- on 4/28/23) with 748 complaints and 91 negative reviews (up from 266 complaints and 70 negative reviews on 4/28/23) as well as 1 positive paid for review as of 1/2/2024: https://www.bbb.org/us/va/chesapeake/profile/ ... c-0583-90405363

Virginia Dept. of State info:

https://cis.scc.virginia.gov/EntitySearch/Bus ... ies%20=%20false

Entity Name:
Spring Oaks Capital, LLC
Entity ID:
T0822538
Entity Type:
Limited Liability Company
Entity Status:
Active
Series LLC:
No
Reason for Status:
Active
Formation Date:
08/23/2019
Status Date:
09/11/2019
VA Qualification Date:
09/11/2019
Period of Duration:
Perpetual
Industry Code:
0 - General
Annual Report Due Date:
N/A
Jurisdiction:
DE
Charter Fee:
N/A
Registration Fee Due Date:
Not Required
Registered Agent Information
RA Type:
Entity
Locality:
RICHMOND CITY
RA Qualification:
BUSINESS ENTITY THAT IS AUTHORIZED TO TRANSACT BUSINESS IN VIRGINIA
Name:
CORPORATION SERVICE COMPANY
Registered Office Address:
100 Shockoe Slip Fl 2, Richmond, VA, 23219 - 4100, USA
Principal Office Address
Address:
14 SPRING OAK DR, NEWTOWN, PA, 18940, USA

Information for Spring Oaks Capital SPV which is registered in Delaware:

File Number:
3994117    Incorporation Date / Formation Date:
10/28/2020
(mm/dd/yyyy)
Entity Name:
SPRING OAKS CAPITAL SPV, LLC
Entity Kind:
Limited Liability Company    Entity Type:
General
Residency:
Domestic    State:    DELAWARE

REGISTERED AGENT INFORMATION

Name:    CORPORATION SERVICE COMPANY
Address:    251 LITTLE FALLS DRIVE
City:    WILMINGTON    County:    New Castle
State:    DE    Postal Code:    19808
Phone:    302-636-5401

Additional Corporation Data can be found at NLMS  https://www.nmlsconsumeraccess.org/Home.aspx/ ... ng+oaks+capital

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general

Got a text message from these people. Offer amount reduced to $312.77. This is on a Credit Card that I paid off in June 2023 and closed down when I retired. I have not heard from Indigo sence.