When you are overwhelmed by debt, the collection attempts that are taken against you can make you feel even worse. However, you have rights under the Fair Debt Collection Practices Act, and a consumer lawyer can help you put an end to unfair or unlawful collection attempts.
Your Rights Under the FDCPA
If a debt collector uses obscene language, calls you at work, or makes baseless legal threats, they have violated the Federal Debt Collection Practices Act (FDCPA and you may be entitled to financial damages as well as lawyer’s fees. Examples of illegal behaviors include:
● Pretending that a lawsuit has been filed against you
● Swearing and yelling
● Using an autodialer to call you nonstop
● Telling you that not paying your debts is illegal
● Filing a lawsuit in a courthouse far from where you live
● Not reporting a debt as disputed to the credit bureaus
Company Profile: Galaxy Portfolios, LLC
If you are being called by Galaxy Portfolios, LLC, the company history and operations are outlined below.
Galaxy Portfolios, LLC, which also does business as Galaxy Capital, is a collection agency in Las Vegas, Nevada. It opened for business in 2010, has fewer than 20 employees, and is managed by Darrell Thanna. Files viewable at the PACER website show that those who felt that they were being harassed by Galaxy Portfolios, LLC did not yield and pay.
Alleged Violations against Galaxy Portfolios, LLC*
According to PACER, on or around March 30, 2016, a representative of Galaxy Portfolios, LLC sent a collection letter to a California consumer. He alleged that the letter did not state the original creditor’s full name, making it impossible to determine whether the debt was actually his.
Feeling harassed by Galaxy Portfolios, LLC, the consumer sued the company for:
● Misrepresenting the character of the debt
● Threatening legal action it could not take
● Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Galaxy Portfolios, LLC are:
If you see any of them on your caller ID, it means that you are being called by Galaxy Portfolios, LLC. If they fail to clarify the name of the original creditor so you can determine the validity of the debt, hire a consumer lawyer and file a claim against Galaxy Portfolios, LLC. You could receive $1,000 per FDCPA violation in addition to legal costs. When a collection agency bullies you, the law gives you the standing to make them stop.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-04546-PA-AJW from the United States District Court for the Central District of California.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Galaxy Portfolios, LLC or any other third-party collection agency, you may not be entitled to any compensation.