Galaxy International Purchasing LLC

About Galaxy International Purchasing LLC

Galaxy International Purchasing LLC is a debt buyer that regularly files lawsuits to collect on debts they have purchased.  They will then attempt to obtain a judgment and pursue post-judgment collection efforts.

Is Galaxy International Purchasing LLC a Scam?

Galaxy International Purchasing LLC is not a Scam.  It is a legitimate debt buying and collection company, so it is important to take collection action by them seriously.  However, even though it is not a scam company, it is important to ensure that there is evidence and documentation to support the balance Galaxy International Purchasing LLC claims is owed, to ensure that Galaxy International Purchasing LLC owns the account in question, and to ensure Galaxy International Purchasing LLC has followed state and federal law when attempting to collect a debt.

What Should I Do If Galaxy International Purchasing LLC Sues Me?

  • It is important to ensure that an answer to the lawsuit is timely filed after you are served with the lawsuit. DO NOT IGNORE A LAWSUIT!
  • Ensure Galaxy International Purchasing LLC has proof of the claimed debt amount and ensure the amount is accurate (confirm all payments and offsets have been applied)
  • Ensure Galaxy International Purchasing LLC has sufficient evidence to prove ownership of the debt
  • Ensure suit was filed within the statute of limitations
  • Assert all other possible affirmative defenses
  • Review all collection activity by Galaxy International Purchasing LLC to ensure there are no potential counterclaims for violation of the Fair Debt Collection Practices Act or Texas Debt Collection Act
  • Determine whether to fight the case or pursue a settlement resolution

You may want to seek the advice of a knowledgeable consumer defense attorney to ensure your rights are protected and ensure you do not end up with an adverse outcome that could have been avoided or minimized.  Contact us for a free consultation!

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