Zealandia Capital


Is Zealandia Capital hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Zealandia Capital?

Zealandia Capital, Inc. is a debt collection agency based in Asheville, North Carolina. They are in the business of collecting unpaid debts on behalf of various entities.

If Zealandia Capital appears on your credit report, it usually indicates that they have been assigned or have purchased a debt that you allegedly owe. This typically happens when a bill or debt has been defaulted on and the original creditor has transferred or sold the debt to a collection agency like Zealandia Capital to recover the funds.

Who does Zealandia Capital collect for?

Zealandia Capital works with a variety of businesses across several industries, including but not limited to credit card companies, banks, retail businesses, and loan providers. Their role involves attempting to collect unpaid consumer debts, as well as managing loan accounts on behalf of these creditors.

Is Zealandia Capital legit or a scam?

Zealandia Capital, Inc. is a legitimate company. However, their persistent communication methods, which can include repeated phone calls, texts, or emails, can often be perceived as intrusive or as spam. Despite these practices, they are a legitimate business.

How can I remove Zealandia Capital from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Zealandia Capital, Inc. Contact Information


Zealandia Capital, Inc.
39 Patton Ave
Asheville, NC 28801

Phone number: (828) 348-2512

Should I contact or pay Zealandia Capital, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Zealandia Capital is to work with a credit repair professional. They help remove millions of negative items every year from companies like Zealandia Capital, Inc. on behalf of their clients.

Will Zealandia Capital, Inc. sue me or garnish my wages?

While Zealandia Capital, Inc., like other debt collection agencies, does have the ability to sue for unpaid debts, it’s generally not the first course of action. Lawsuits are typically considered a last resort due to the time, cost, and resources involved.

However, if Zealandia Capital chooses to sue and wins a judgement against you, they may be legally allowed to garnish your wages, depending on the laws in your state.

Zealandia Capital, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Zealandia Capital, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Zealandia Capital, Inc. to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Zealandia Capital, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Zealandia Capital, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Zealandia Capital, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Zealandia Capital From Your Credit Report Today!

Credit Saint can help you dispute Zealandia Capital collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.