If Zealandia Capital, Inc. is showing up on your credit report, it likely means an unpaid debt has been sent to collections. Here’s what you need to know and how to address it.
Who Is Zealandia Capital, Inc.?
Zealandia Capital is a debt collection agency based in Asheville, North Carolina. They work with creditors to recover unpaid debts. If your account has been assigned to Zealandia Capital, the collection account may appear on your credit report.
Who Does Zealandia Capital Collect For?
Zealandia Capital works with businesses across several industries, including:
- Credit card issuers
- Banks and lenders
- Retail businesses
- Other service providers
If you’ve fallen behind on payments with one of these types of companies, Zealandia Capital may be trying to collect the debt.
Is Zealandia Capital a Scam?
Zealandia Capital, Inc. is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. However, always verify the debt before making payments, as errors or outdated information can show up on your credit report.
How to Remove Zealandia Capital From Your Credit Report
Collection accounts can stay on your credit report for up to seven years and lower your credit score. But there are ways to address the account:
- Dispute inaccurate information: If the debt is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Zealandia Capital to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account if you settle the debt. Always get written confirmation.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for inaccuracies.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Zealandia Capital?
Before contacting them, confirm the debt is accurate and still within the statute of limitations. In some cases, making payments on old debts can reset the reporting period and negatively affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection agencies.
Can Zealandia Capital Sue or Garnish Wages?
Debt collectors like Zealandia Capital can sue for unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on your state’s laws.
That said, legal action is often a last resort. Most collection agencies try to settle debts through payment plans or other arrangements before pursuing lawsuits.
Zealandia Capital Contact Information
Address:
Zealandia Capital, Inc.
39 Patton Avenue
Asheville, NC 28801
Phone: (828) 348-2512
Complaints About Zealandia Capital
Like many collection agencies, Zealandia Capital has received complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If you believe your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Zealandia Capital Collections
Dealing with collection accounts can be overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.