Not too long ago, debt collectors could legally intimidate and harass consumers. Now you have rights that protect you from being threatened, bullied, and mistreated. If a debt collector makes your life miserable because you can’t afford to pay, a consumer lawyer can help you stop the unwanted calls and letters.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) provides indebted consumers with certain rights and protections. Once it was enacted in 1978, it prohibited third-party collection agencies from trying to collect money by:
- Using profane and obscene language
- Calling you at work when your employer does not allow such calls
- Pretending to be police officers or federal agents
- Threatening legal actions that they are not in a position to take
- Refusing to prove that a debt is valid and they are allowed to collect it
- Using an autodialer to call your phone nonstop
Company Profile: Zeelandia Capital, Inc.
If you are being called by Zeelandia Capital, Inc., a general company overview is below.
Zeelandia Capital, Inc. is a collection agency located in Asheville, North Carolina. It was established in 2005, has 22 people on staff, and is managed by its President, Julie Simes. A close inspection of consumer lawsuit records at the PACER website indicates that consumers who felt they were being harassed by Zeelandia Capital, Inc. took the necessary steps to bring about an FDCPA lawsuit.
Alleged Violations against Zeelandia Capital, Inc.
According to PACER, on or around April 27, 2015, Zeelandia Capital, Inc. allegedly called an Illinois consumer to collect a debt. She insisted that the debt was included in a still-active Chapter 13 bankruptcy filing, but the representative allegedly told her that her bankruptcy case had been dismissed and continued trying to collect from her despite the fact that she was represented by an attorney.
Feeling harassed by Zeelandia Capital, Inc., she sued the company for allegedly violating her rights in the following ways:
- Contacting her directly when she had an attorney
- Demanding payment for a debt it could not legally collect
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Zeelandia Capital, Inc. are:
Any time you see them on your caller ID, it is confirmation that Zeelandia Capital, Inc. is trying to collect a debt from you. If they pressure you to pay a debt included in a current bankruptcy filing, hire a consumer lawyer and file a claim against Zeelandia Capital, Inc.
Any collection agency that violates the FDCPA can be ordered to pay you $1000 in statutory damages plus your reasonable attorney’s fees, so don’t hesitate to protect yourself when a debt collector goes too far.
Case taken from PACER (pacer.gov). 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 Zeelandia Capital, Inc. or any other third-party collection agency, you may not be entitled to any compensation.