Resolve Your Debt with Galaxy International Purchasing, LLC

Debt collection calls from Galaxy International Purchasing, LLC can disrupt your entire day. GIP contacts you when they believe you owe money on an outstanding account. They are a debt collection agency that specializes in recovering debts for clients. They also purchase old accounts and collect on them directly.

The company has the right to collect debts through phone calls, texts, and letters. Working with Galaxy International Purchasing is the best way to resolve a delinquent account. Ignoring their communication can lead to a default judgment and damaged credit. You might think the debt is not yours or cannot afford to pay. Neither reason justifies ignoring the situation.

You can navigate the debt collection landscape by understanding how GIP works. Your options to resolve the debt are clearer than you think.

What is Galaxy International Purchasing, LLC?

Galaxy International Purchasing, LLC, also known as Galaxy Capital Acquisitions, LLC, operates nationwide. The debt collection agency is based in Las Vegas, Nevada. The company has been in business for over 14 years. The Better Business Bureau has accredited them since 2014.

If GIP’s initial collection attempts fail, they may take you to court. The company may sue you on behalf of its customers. You may find that GIP has filed a lawsuit, yet your debt originated with a credit card company. For inquiries about your debt, use the Galaxy International Purchasing contact information below.

• Phone Number: (800) 305-9811
• Address: 4730 S Fort Apache Rd STE 300, Las Vegas, NV 89147-7947
• Website: https://galaxyllc.com/

Read Galaxy International Purchasing, LLC Reviews Online

Consumers leave reviews based on their experience with GIP on various platforms. Some have left comments on the company’s BBB profile. Others share their experiences on the CFPB database. Read these Galaxy International Purchasing reviews to learn about the company. You can discover how to negotiate with them to settle your debt.

Who Does Galaxy International Purchasing Collect For?

GIP has clients in several states, including Nevada, California, and New York. The company collects debts for its customers and for itself on acquired accounts. Galaxy International Purchasing also goes by Worldwide Asset Purchasing II, LLC. They use Galaxy Portfolios, LLC among other alternate names.

GIP’s representatives will call even if you don’t recall opening an account with them. They may be collecting a loan on behalf of the original creditor. They could also be pursuing an old debt that the creditor sold.

Respond to a Debt Lawsuit from Galaxy International Purchasing, LLC

The law allows debt collection agencies to sue consumers who fail to pay. In most circumstances, they will have attempted to reach you multiple times first. You must take action when you receive the lawsuit paperwork. Failure to respond allows GIP to get a default judgment in their favor.

A debt lawsuit begins with a Summons and Complaint. These court documents notify you of the case and list specific claims against you. You must respond with a written Answer before your state’s deadline.

If you fail to respond before the deadline, Galaxy International Purchasing will request a default judgment. If the court grants it, the judgment may give debt collectors serious powers. They could garnish your wages, seize your property, and freeze your bank account.

Avoid a default judgment and respond to your debt lawsuit against Galaxy International Purchasing. Our partner Solo can help you respond in minutes. Follow these three simple steps:

1. Answer each claim listed in the Complaint
2. Assert your affirmative defenses
3. File the Answer in court and send a copy to Galaxy International Purchasing

Step 1: Answer Each Claim Listed in the Complaint

The Complaint document lists all the allegations GIP has against you. The first section of your Answer document should focus on replying to each claim. Use one of the three following responses for each allegation.

• Admit: You agree with the claim GIP has outlined
• Deny: You want GIP to prove that the allegation is true
• Deny due to lack of knowledge: You cannot answer accurately because you don’t understand

Lawyers and debt specialists advise debtors to avoid admitting to all claims. This move allows you to hear GIP’s arguments in supporting their allegations. The court may dismiss the case if they lack sufficient evidence.

Step 2: Assert Your Affirmative Defenses

This section allows you to explain why you are not responsible for the debt. You get to explain why you should not pay all or part. Here are examples of affirmative defenses you can use:

• The debt amount is inaccurate
• The GIP debt is past the statute of limitations
• GIP hasn’t proven they bought the debt from the original creditor
• The debt was canceled or paid off
• You were a victim of identity theft

Saying that you do not have the money to pay is not an acceptable defense. That statement may do more harm to your case.

Step 3: File the Answer in Court and Send a Copy to Galaxy International Purchasing

Regardless of how convincing your Answer is, it is only useful if filed on time. Ensure you send your Answer before the deadline in your state. After completing your Answer, make three copies of the document.

Send a copy to the court, another to GIP’s lawyers, and keep one for your records. Make sure you send them via certified mail with a return receipt requested. Our partner Solo can handle the filing process for you automatically.

Settle Your Debt with Galaxy International Purchasing, LLC

Did you know debt settlement is possible even with an active lawsuit? After you file your Answer to the lawsuit, you can still contact GIP. You can discuss a debt settlement plan with their representatives.

The debt settlement process can be straightforward when you know the steps. The consumer makes an offer, the creditor accepts or counteroffers. The consumer pays once both parties agree on an amount. The debt is settled once payment is received and confirmed.

To settle a debt with Galaxy International Purchasing, follow these steps:

1. Respond to pending debt lawsuits first
2. Determine how much you can afford, then send an offer
3. Get the debt settlement terms in writing before paying

Never make a payment without written confirmation of the settlement terms. Documentation protects you from future collection attempts on the same debt. You need proof that the settlement fully resolves your obligation.

Verify the Debt Before You Pay

You have the right to request debt verification under federal law. Send a written request to Galaxy International Purchasing within 30 days of their first contact. They must provide documentation proving you owe the debt they claim.

Debt verification should include the original creditor’s name and the debt amount. GIP must also prove they have the right to collect on this account. They cannot continue collection activities until they provide proper verification.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection tactics. Galaxy International Purchasing must follow strict rules when contacting you about debt. They cannot harass you, threaten you, or use deceptive practices.

GIP cannot call you before 8 a.m. or after 9 p.m. They cannot contact you at work if you tell them not to. They cannot discuss your debt with family, friends, or employers. Violations of the FDCPA give you grounds to sue the debt collector.

What Happens If You Ignore Galaxy International Purchasing?

Ignoring Galaxy International Purchasing will not make the debt disappear. The company will likely escalate their collection efforts over time. They may file a lawsuit to recover the money they claim you owe.

A default judgment gives GIP powerful collection tools against you. They can garnish your wages, freeze your bank accounts, and place liens on property. Your credit score will suffer significant damage that lasts for years. Taking action now protects your financial future and gives you control over the outcome.