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?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Galaxy International Purchasing, LLC Contact Information
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?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Galaxy International Purchasing, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Galaxy International Purchasing, LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Galaxy International Purchasing, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Galaxy Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Galaxy collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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