How to Beat Galaxy International Purchasing, LLC

Edited by Hannah Locklear

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:

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. 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

Galaxy International Purchasing, LLC has received many complaints

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.

Exercise your rights when Galaxy International Purchasing, LLC contacts you

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:

• Call you multiple times a day regarding the same debt
• Call before 8 a.m. or after 9 p.m.
• Threaten arrest
• Report an inaccurate debt on your credit report
• Ask your family, friends, or colleagues about your debt
• Talk rudely or use abusive language

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.

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 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:

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.

SoloSuit can help you with each of these steps and more.

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 know.

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.

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 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:

• The debt amount is inaccurate.
• The GIP debt reached 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 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.

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 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:

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

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

What is SoloSuit?

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.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

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Is your credit card company suing you? Learn how you can beat each one.

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