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Hawaii/AFNI Inc/Utility Debt

Dispute AFNI Inc Utility Debt in Hawaii

AFNI Inc is collecting utility debt in Hawaii where the statute of limitations is 6 years. Average utility debt: $800. Garnishment limit: 5% of first $100 + 10% of next $100 + 20% of remainder.

6 years

Statute of Limitations

$800

Average Utility Debt

5% of first $100 + 1

Garnishment Limit

Known AFNI Inc Violations

  • Robocalling without consent
  • Collecting debts already paid to original creditor
  • Inaccurate reporting of debt amounts

Dispute Strategies

  • File complaint with state Public Utility Commission
  • Request billing audit and meter verification
  • Apply for utility assistance programs (LIHEAP)
  • Dispute estimated vs actual billing
  • Challenge reconnection fees if disconnect was improper

Hawaii Protections

HI Uniform Deceptive Trade Practices Act. File complaints with: Office of Consumer Protection.

  • • Very low graduated wage garnishment formula
  • • Strong debtor protections
Hawaii LawsAFNI IncUtility Debt
Dispute Now — $9.99/mo