Dena Standley | March 15, 2023
Summary: If you’ve been sued by Galaxy International Purchasing, LLC, you should respond to the lawsuit with a written Answer. In your Answer, respond to each claim against you and assert your affirmative defenses. Then, file the documents with the court. SoloSuit can help you with all these steps and more. You can also settle your debt once and for all with the help of SoloSettle.
It can be frustrating when debt collectors harass you in pursuit of a debt. They may leave countless messages, call several times, call you at work, and fill your email with demands. Galaxy International Purchasing, LLC (GIP) is no exception. They are a debt collection agency specializing in collecting outstanding debt for its clients. They also buy debt for a small fraction of the original amount and come after you to pay the whole amount.
Even though they have a right to attempt to collect the debt, the law doesn't allow Galaxy International Purchasing to harass or mistreat consumers. Today, we will look closely at Galaxy International Purchasing, the complaints they’ve received, how you can exercise your rights, and what to do after they sue you.
Before we begin, did you know you can stop GIP calls by sending a Debt Validation Letter? Check out this video to learn more:
Galaxy International Purchasing, LLC, also known as Galaxy Capital Acquisitions, LLC, is a national debt collection agency in Las Vegas, Nevada. They have been in business for over 14 years and have been Better Business Bureau accredited since 2014.
GIP initially attempts to collect a debt, and if all fails, they take consumers to court. Some companies use their services to avoid the court process. For instance, you may find that GIP has filed a lawsuit against you, yet your debt is with a credit card company. For inquiries about your debt, below is the contact information for Galaxy International Purchasing, LLC.
Physical address: 4730 S Fort Apache Rd STE 300, Las Vegas, NV 89147-7947
Visit the website: Galaxy International Purchasing
Phone Number: (800) 305-9811
Debt collection agencies receive regular complaints because of their aggressive nature in collecting the debt. Consumers have filed numerous complaints against GIP on various platforms. For example, as of January 2023, they had 25 complaints on their BBB profile and 15 on the CFPB complaint database. The following is an example of a complaint against Galaxy International Purchasing, as listed on their BBB page:
“GIP sued me for a debt I owed even before they sent me a letter to resolve it. I could not pay the debt because I lost my job during the pandemic. I answered the lawsuit, at which time I told them I would settle with them. I went on to make online payments. However, they never deducted the money from my bank. They are now coming back to tell me I never paid them. All the information on their online payment portal shows that I attempted to make payments. I don't know why they are making this so difficult and causing me problems, as they have never tried to work with me to solve the debt.”
If you’ve experienced similarly by Galaxy International Purchasing, there is a chance you could receive compensation. The Fair Debt Collection Practices Act protects consumers, like you, from unfair debt collection practices. Keep reading to learn more.
GIP is not above the law when it comes to violating consumer rights. The Fair Debt Collection Practices Act (FDCPA) protects consumers from being scammed or mistreated by debt collection agencies. If they violate these laws, they are subject to being sued and given hefty penalties. According to the FDCPA laws, GIP cannot:
If GIP violates consumer rights, submit a complaint to CFPB or BBB. You can also report them to the Fair Trade Commission online platform or your state’s attorney general’s office.
The law allows debt collection agencies to sue consumers who fail to pay their debt. In most circumstances, they will have attempted to reach you to collect the debt multiple times before they file a lawsuit against you. On receiving the lawsuit, you must take action to avoid GIP from getting a judgment in their favor.
A debt lawsuit begins with a Summons and Complaint. These are court documents that notify you of the case and list all the specific claims against you. It’s your responsibility to 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 against you. If the court grants it, a default judgment gives debt collectors the right to 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. It’s simple—just follow these three steps:
Below, we’ll explore each step a little further. Don’t like reading? Check out this video instead:
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. Just use one of the three following responses.
Lawyers and debt specialists advise debtors to avoid admitting to all the claims, even if they're all true. You need to force GIP to prove its case in court. The court may dismiss the case if they do not have enough evidence.
This section allows you to explain why you are not responsible for the debt. You have the opportunity to explain why you should not pay all or part of the debt. Here are examples of affirmative defenses you can use:
Notably, saying that you do not have the money to pay the debt is not an acceptable defense. It may do more harm to your case.
Regardless of how convincing your Answer is–it is useless if it isn’t filed with the court on time. GIP could get a default judgment giving them everything they ask for. Hence, ensure you send your Answer before the deadline. After completing your Answer, make three copies. Send a copy to the court, another to GIP lawyers, and keep the last one in your records. Make sure you send them certified mail with a return receipt requested.
Did you know debt settlement is possible even with an active lawsuit? After you file your Answer to the lawsuit, you can still reach out to Galaxy International Purchasing to discuss a debt settlement plan.
The debt settlement process can be simple — the consumer makes an offer, the creditor accepts or counteroffers, the consumer pays once both parties agree on an amount, and the debt is settled. But there are a few other hoops to jump through to avoid any blunders. SoloSettle, powered by SoloSuit, makes this process easy.
To settle a debt, follow these steps:
Watch the video below to learn more on how to settle a debt with Galaxy International Purchasing.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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