Your Hawaii rights against AFNI Inc: SOL is 6 years for credit card debt. Garnishment capped at 5% of first $100 + 10% of next $100 + 20% of remainder.
6 years
Hawaii credit card SOL
HI Uniform Deceptive Trade Practices Act
State collection law
Common AFNI Inc Violations
Robocalling without consent
Collecting debts already paid to original creditor
Inaccurate reporting of debt amounts
Hawaii Dispute Tips vs AFNI Inc
AFNI primarily collects T-Mobile and Sprint debts — get final account statements
Dispute equipment charges if you returned devices with proof
File TCPA lawsuit if they auto-dial your cell — statutory damages of $500-$1,500 per call