Who is Galaxy International Purchasing?
Galaxy International Purchasing, also known as Galaxy Capital Acquisitions, LLC, is a debt buyer and collector based in Las Vegas, Nevada. As a foreign limited liability company, it operates under regulations that can differ from those applicable to domestic entities.
This firm purchases overdue debt portfolios in bulk, which often include a variety of debt types such as credit card debt, unpaid loans, and other financial obligations. Once Galaxy International Purchasing acquires these debts, it takes on the responsibility of collecting the outstanding amounts.
If you have an unpaid debt that Galaxy International Purchasing has bought, you may notice them appear on your credit report as a collections account. This will usually occur when the original creditor has not been able to collect payment.
How can I remove Galaxy International Purchasing from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Galaxy International Purchasing, LLC Contact Information
Address:
Galaxy International Purchasing, LLC
4730 South Fort Apache Rd Ste 300
Las Vegas, NV 89147
Phone number: (800) 305-9811
Should I contact or pay Galaxy International Purchasing?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Galaxy International Purchasing is to work with a credit repair professional. They help remove millions of negative items every year from companies like Galaxy International Purchasing, LLC on behalf of their clients.
Will Galaxy International Purchasing sue me or garnish my wages?
Galaxy International Purchasing has the legal right to use various methods to collect the debt, including lawsuits. If a judgment is obtained against you in court, they may be able to garnish your wages or levy your bank account, depending on the laws in your state.
However, it’s essential to note that not all debt collectors will choose to go through the legal process, as it can be lengthy and costly. They may instead opt for other strategies such as negotiation, settlement, or payment plans.
Galaxy International Purchasing, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by a debt collector.
Your Rights When Dealing with Galaxy International Purchasing, LLC
Collection agencies must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Galaxy International Purchasing, LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Galaxy International Purchasing, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Galaxy International Purchasing, LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Galaxy International Purchasing, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
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Credit Saint offers assistance with disputing Galaxy collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
