Zealandia Capital

Is Zealandia Capital hurting your credit score?

Schedule a complimentary 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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Zealandia Capital, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Zealandia Capital, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Zealandia Capital, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Zealandia Capital, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Zealandia Capital From Your Credit Report Today!

Lexington Law can assist you in disputing Zealandia Capital collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.