By: Robert J. Nahoum
THE PROBLEM:
Three scenarios might have led you this article:
- You have just been notified by your bank that your account has been frozen because there is a debt collection judgment against you by some company called Galaxy International Purchasing LLC.Â
- You’ve received a notice from your County Sheriff or a New York City Marshall that your wages will be garnisheed because there is a debt collection judgment against you from Galaxy International Purchasing LLC.
- A process server has shown up to your home to deliver a summons and complaint or you’ve come home to find a summons and complaint taped to your door? Turns our, you’re being sued by Galaxy International Purchasing LLC.
WHO IS GALAXY INTERNATIONAL PURCHASING LLC?:
Galaxy International Purchasing LLC. is a “junk debt buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. The debt buyers then try to collect the full amount from consumers.
Galaxy International Purchasing, LLC, is a Nevada State company with offices located at 4730 South Fort Apache Road, Las Vegas, Nevada, 89147 and can be reached by telephone at (800) 305-9811.
Through its attorneys of choice, Fulton, Friedman & Gullace, LLP, Scott & Associates PC and Mandarich Law Group, LLP, Galaxy International Purchasing is actively filing new debt collection lawsuits and pursuing and enforcing judgments awarded years ago through wage garnishments and frozen bank accounts.
Galaxy International Purchasing is an accused notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts. It precludes third party debt collectors from using false, misleading, deceptive and harassing debt collection tactics.
THE PROBLEM WITH GALAXY INTERNATIONAL PURCHASING:
To Galaxy International Purchasing you the consumer are no more than an entry on a spreadsheet, you are data. Unfortunately for Galaxy International Purchasing, entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, Galaxy International Purchasing always has the burden to prove that the consumer is responsible for the debt. To meet this burden, Galaxy International Purchasing must prove that: (1) it has the right to sue you; (2) the debt is yours; and (3) you owe the amount for which you were sued. It is never the burden of the consumer to prove that he or she does not owe the debt.
To meet its burden, the proof submitted by Galaxy International Purchasing must be based on “personal knowledgeâ€. Personal knowledge means that the person offering the evidence on behalf of Galaxy International Purchasing must be a witness to the event shown in a particular document. For example, if credit card bills are offered into evidence on behalf of Galaxy International Purchasing, the person offering the evidence must have personal knowledge of how the information in the credit card bill got there, how it is generated and how it is maintained. That person must have personal knowledge of the computer system and how it operates. If this person does not have such personal knowledge, the evidence is “hearsay†and it cannot be used.
Remember, to Galaxy International Purchasing, you are just an entry on a spreadsheet. For this reason, Galaxy International Purchasing routinely lacks the evidence necessary to prove its case and beat you in court.
WHAT YOU SHOULD DO:
If you’ve been sued by Galaxy International Purchasing in a debt collection lawsuit, consider hiring a qualified attorney experienced in debt defense. The Law Offices of Robert J. Nahoum, P.C. routinely represents consumers in debt collection lawsuits brought by debt buyers like Galaxy International Purchasing in New York and New Jersey.
As with all of our debt defense cases, The Law Offices of Robert J. Nahoum, P.C. analyzes debt collection cases brought by debt buyers like Galaxy International Purchasing to determine if any violations of the FDCPA have occurred. If so, we recommend to our clients that suit be brought in Federal District Court on behalf of the consumer and against the debt buyer.
If a debt buyer like Galaxy International Purchasing violates the FDCPA, you can sue it for statutory damages up to $1,000.00 plus actual damages (like pain and suffering) and your attorney’s fees. In FDCPA cases, The Law Offices of Robert J. Nahoum, P.C. doesn’t charge our clients a penny out of pocket.
If you need help settling or defending a debt collection lawsuit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you. With office located in Brooklyn and Rockland County, the Law Offices of Robert J. Nahoum defends consumers in debt collection cases throughout the Tristate area including New Jersey.
The Law Offices of Robert J. Nahoum, P.C
(845) 232-0202
www.nahoumlaw.com
[email protected]