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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Zealandia Capital, Inc.?*

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When you’re struggling to make ends meet, there’s not much available to pay down your credit card bills, medical debt, and student loans. Once you miss a consecutive number of payments, your credits may send debt collectors to collect the remaining balance.

These collectors will often do anything to get you to pay, even abuse your rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, regulates what third-party debt collectors may say and do while trying to collect a consumer debt. Any tactics that constitute deception or abuse are illegal and can result in fines and license revocation. Examples of prohibited activities include:

  • Adding unauthorized service fees to the debt
  • Intentionally reporting incorrect information to the credit bureaus
  • Claiming that you can lose your job for not paying a debt
  • Threatening legal actions it has no intention of taking
  • Harassing you by phone
  • Calling you outside the hours of 8:00 a.m to 9:00 p.m. in your time zone

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Company Profile: Zealandia Capital, Inc.

If you are being called by Zealandia Capital, Inc., more information about the company is available below.

Zealandia Capital, Inc., which also does business as Zealandia Holding Company, Inc., is a debt collection agency located in Asheville, North Carolina. It opened for business in 2005, has 22 employees, and is managed by its President, Julie Simes.

Records on file at the PACER website confirms that consumers who believed they were being harassed by Zealandia Capital, Inc. mounted a challenge in court.

Are You Being Called By Zealandia Capital, Inc.?*

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Alleged Violations against Zealandia Capital, Inc.

According to PACER, on or around April 27, 2015, Zealandia Capital, Inc. called an Illinois consumer to collect a debt. When she advised that she had filed for Chapter 13 Bankruptcy filing on February 1, 2013, and included the debt, the caller allegedly stated that her bankruptcy cased had been dismissed.

The consumer said that she was represented by an attorney, but the agency allegedly continued to call her directly.

Feeling harassed by Zealandia Capital, Inc., she hired a consumer lawyer and sued the agency for:

  • Contacting her directly when she was represented by an attorney
  • Misrepresenting the legal status of the debt

The matter was later resolved.

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Hire a Consumer Lawyer

The phone numbers for Zealandia Capital, Inc. are:

Any time you see them on your caller ID, it means that Zealandia Capital, Inc. is on the line. If they harass you over a debt included in an earlier bankruptcy, act on your rights by hiring a consumer attorney and filing a claim against Zealandia Capital, Inc.

You could receive $1000 in statutory damages and compensation for your legal fees, so never let a debt collector make you feel like you have no control over the outcome.

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Additional Resources

Case taken from PACER ( File number is Case: 1:15-cv-04076 from the United States District Court for the Northern District of Illinois, Eastern Division.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Zealandia Capital, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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