We Defend You Against
Galaxy International Purchasing, LLC

The Langel firm will defend consumers against New York state court collection lawsuits brought by Galaxy International Purchasing, LLC. We defend against collection lawsuits, and wage garnishments, and bank seizures.

If you need help against Galaxy International Purchasing, complete this intake form.

In New York, Galaxy International Purchasing, LLC is often represented by Mullooly, Jeffrey, Rooney & Flynn, LLP and Fulton, Friedman & Gullace, LLP.

Galaxy International Purchasing, LLC purchases defaulted consumer debt to collect and sue on them.

Federal Cases against Galaxy Purchasing International

Arbitration upheld in Galaxy International case involving FDCPA claims

In a class action, Mines v. Galaxy International Purchasing, LLC, a federal court in Indiana was satisfied that Galaxy International Purchasing, LLC had the right to compel arbitration of the class dispute based on the underlying credit agreement. The court was satisfied that Galaxy was properly assigned the agreement that permitted it to benefit from a right to compel arbitration of an FDCPA case.

In Mines, the court found that the arbitration provision in the Cardholder Agreement is broad and capable of expansive reach, creating a presumption of arbitrability. The plaintiff's FDCPA claim is related to the Cardholder Agreement and relies on its terms, therefore falling within the scope of the arbitration provision. The court rejected the argument that the plaintiff's bankruptcy discharge terminated the right to arbitration, as the contract was not executory and the arbitration of FDCPA claims does not conflict with the Bankruptcy Code. Our firm did not handle this case.

Three takeaways from Mines v. Galaxy International Purchasing, LLC:

1. The broad language of an arbitration provision in a Cardholder Agreement creates a presumption of arbitrability, and the plaintiff's FDCPA claim can be subject to arbitration if it relates to the agreement and relies on its terms.
2. Equitable estoppel can allow a non-signatory defendant to compel arbitration if the plaintiff's claim relies on the terms of the agreement or involves joint conduct with a signatory defendant.
3. Bankruptcy discharge does not automatically terminate the right to arbitration, and the arbitrability of FDCPA claims in post-bankruptcy proceedings has not been addressed by courts. Mines v. Galaxy International Purchasing, LLC, No. 1:17-cv-04746-RLY-DLP (March 6, 2019).

Persistent Billing and Collection Issues with Galaxy International Purchasing, LLC

As Reported on Better Business Bureau, the pattern of complaints indicates that consumers are primarily facing issues with Galaxy International Purchasing, LLC (GIP) regarding billing and collection. Consumers complain about not receiving proper documentation for debts, unauthorized selling and reselling of information, incorrect reporting of payment status, and inability to contact GIP for resolution. Despite GIP's responses that they have sent the requested documentation and advise consumers to contact them for further information, consumers are not satisfied with the responses, often because they have not received the promised documentation or because the provided documentation is insufficient or generic.

FDCPA Claims Against Galaxy International Purchasing's Debt Collector Fail at Summary Judgment

Plaintiff, a consumer, filed a putative class action against Mandarich Law Group, LLP, the debt collector for Galaxy International Purchasing, LLC, alleging violations of the Fair Debt Collection Practices Act (FDCPA) related to a consumer credit dispute. Galaxy had purchased Parker's alleged debt and hired Mandarich to collect on it. The court granted Mandarich's motion for summary judgment in full and denied Parker's motion, finding no genuine dispute that Mandarich complied with the FDCPA in its collection letter regarding the debt allegedly owed to Galaxy.

Key Points of Law:

1. FDCPA violations require the plaintiff to be a consumer allegedly owing debt, the defendant to be a debt collector, and the defendant to have violated FDCPA requirements.
2. A collection letter on law firm letterhead does not by itself overshadow the validation notice or threaten legal action in violation of the FDCPA.
3. Some meaningful attorney involvement is required for a letter to be considered "from an attorney" under the FDCPA, based on a review of the information, time spent, and legal judgment applied.

Conclusion: The court determined there was no factual dispute that Mandarich's letter collecting debt on behalf of Galaxy complied with the FDCPA. The letter properly identified the debt amount and Galaxy as the creditor. Mandarich's law firm letterhead did not overshadow the consumer's right to validate the debt allegedly owed to Galaxy. Additionally, an attorney sufficiently reviewed Parker's account before Mandarich sent the letter attempting to collect the Galaxy debt. The main takeaway is that a consumer debtor's conclusory claims cannot defeat competent summary judgment evidence demonstrating an FDCPA-compliant collection effort by a debt buyer's collection law firm.

CHARDEE PARKER v. MANDARICH LAW GROUP, LLP, No. 19-CV-6313, 2021 WL 2351177 (E.D.N.Y. June 9, 2021).

Biographical Information

Galaxy International Purchasing, LLC

Galaxy International Purchasing, LLC is a foreign limited liability company incorporated in Nevada and is principally located at 4730 South Fort Apache Road, Las Vegas, Nevada, 89147. It is licensed (#1345376) by the Department of Consumer Affairs to collect debts in the City of New York.

The Better Business Bureau lists Galaxy International Purchasing, LLC as a holding company that uses the alternative business names, Worldwide Asset Purchasing, LLC (WAP); Galaxy Asset Purchasing II, LLC; and Galaxy Capital Acquisitions, LLC.

Galaxy International Purchasing does not have a stand-alone publicly accessible website. According to business records filed with the state of Nevada, Galaxy is a legal entity registered under the laws of the State of Nevada as a Domestic Limited-Liability Company. Its registered agent is Nevada Corporate Headquarters, Inc.

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More information to help with a wage garnishment:

• Receive a Notice of Garnishment? Here’s a Summary of New York Law
• How much of my wages can be garnished? Summary of New York Law
• Vacating a Default Judgment in New York: 8 Fine Points

Here is a list of New York City’s Marshals who enforce wage garnishments:

• City Marshal Ronald Moses
• City Marshal Bruce Kemp
• City Marshal Gregg E. Bienstock
• City Marshal Martin Bienstock
• City Marshal Henry Daly

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