Galaxy International Purchasing LLC

Corporate structure

Who owns Galaxy International Purchasing LLC?

Galaxy International Purchasing LLC is an independent debt buyer with no publicly documented parent company.

Common original creditors whose accounts Galaxy International Purchasing LLC has purchased include: Various banks and financial institutions, Credit card issuers.

Your next steps

What to do if Galaxy International Purchasing LLC is suing you

1. 1
   Find your deadline immediatelyYou have a limited number of days to file your Answer after being served — typically 20 to 35 days depending on your state. Missing this deadline results in a default judgment. Check your state’s guide for the exact deadline.
2. 2
   Demand proof of ownershipGalaxy International Purchasing LLC must prove a valid, unbroken chain of assignment from your original creditor. In your Answer, raise lack of standing and require the plaintiff to produce the bill of sale and account-level documentation.
3. 3
   Check the statute of limitationsDebt buyers sometimes sue on old accounts. If the limitations period in your state has run since your last payment or the charge-off date, you may have a complete defense. Look up the state guide for your jurisdiction.
4. 4
   File your Answer — even if you plan to settleFiling a timely Answer preserves all your defenses and gives you leverage to negotiate a better settlement. Do not ignore the lawsuit expecting it to go away. See your state’s defense guide.

Frequently asked questions

Common questions about Galaxy International Purchasing LLC

• Who is Galaxy International Purchasing LLC?

  Galaxy International Purchasing LLC is a debt buyer based in Las Vegas, Nevada. It purchases charged-off consumer debt and pursues collection through attorneys in multiple states.

• Why is Galaxy International Purchasing suing me?

  Galaxy purchased your account from your original creditor and is attempting to collect through the courts.

• Can I challenge Galaxy's right to sue me?

  Yes. Raise lack of standing as an affirmative defense and require Galaxy to produce a valid chain of assignment and account-level documentation.

• Is the statute of limitations relevant to a Galaxy International claim?

  Yes. If the limitations period has run in your state, raise it as an affirmative defense in your Answer.

• Has Galaxy International Purchasing faced regulatory enforcement?

  No significant public regulatory enforcement actions against Galaxy International Purchasing LLC are known at this time. Galaxy is subject to the FDCPA and applicable state consumer protection laws.

• What should I do if Galaxy International Purchasing is suing me?

  File a timely Answer before your state's deadline, deny the material allegations, and raise all available defenses. Do not let the deadline pass without responding.

State defense guides

Sued by Galaxy International Purchasing LLC? Find your state