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Resolve Your Debt with Galaxy International Purchasing, LLC

George Simons | January 23, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If Galaxy International Purchasing, LLC, has sued you, you should respond to the lawsuit with a written Answer. Respond to each claim against you and assert your affirmative defenses. Then, file the documents with the court. Solo 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 collection calls disrupt your day. Galaxy International Purchasing, LLC (GIP) contacts you when they believe you owe money you should have already paid. They are a debt collection agency specializing in collecting outstanding debt for its clients. They also purchase old accounts and collect on them.

The company has the right to collect debts and can use phone calls, private social media messaging, texting, and letters to recover the money. Working closely with Galaxy International Purchasing is the best way to resolve a delinquent account. If you ignore the communication, either because you think the debt is not yours or you cannot afford to pay, you may end up with a default judgment from the court and ruined credit.

Let us see how you can navigate the often scary debt collection landscape by understanding how the company works and exploring possible options to resolve the debt.

Settle debt with Galaxy International Purchasing, LLC

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Galaxy International Purchasing, LLC, and how does it work?

Galaxy International Purchasing, LLC, also known as Galaxy Capital Acquisitions, LLC, is a national debt collection agency in Las Vegas, Nevada. It has been in business for over 14 years and has been accredited by the Better Business Bureau since 2014.

If GIP’s initial attempts to collect a debt fail, they may take consumers to court. The company may sue you on behalf of its customers. 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, use the Galaxy International Purchasing phone number and other 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/

Ready 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, and others on the CFPB database. Read these Galaxy International Purchasing reviews to learn more about the company and 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. It collects debts for its customers and for itself on accounts it has acquired. The company also goes by Worldwide Asset Purchasing II, LLC and Galaxy Portfolios, LLC, among other alternate names.

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

Respond to a debt lawsuit against Galaxy International Purchasing, LLC

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. On receiving the lawsuit, you must take action to prevent GIP from getting 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 all the 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 against you. If the court grants it, the judgment may give 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:

  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, LLC

Below, we’ll explore each step a little further. Don’t like reading? Check out this video instead:

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. Just use one of the three following responses.

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

Lawyers and debt specialists advise debtors to avoid admitting to all the claims. This move allows you to hear GIP’s arguments in supporting their claims. The court may dismiss the case if they do not have enough evidence.

Respond to your debt lawsuit in minutes online.

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 of the debt. 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

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.

Make the right defense the right way.

3. File the Answer in court and send a copy to Galaxy International Purchasing LLC

Regardless of how convincing your Answer is, it is only useful if you file it in court on time. 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 via certified mail with a return receipt requested.

SoloSuit files your Answer for you.

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 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. Using SoloSettle streamlines this process.

To settle a debt, follow these steps:

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

Watch the video below to learn how to settle a debt with Galaxy International Purchasing.

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