Everything you need to know about auto loan debt in Hawaii: the statute of limitations is 6 years, garnishment is capped at 5% of first $100 + 10% of next $100 + 20% of remainder, and 2 state-specific protections apply to your case.
6 years
Statute of limitations (written contracts)
$23,792
Avg. auto loan debt in US
5% of first $100 + 10% of next
Garnishment limit
In Hawaii, auto loan debt falls under written contracts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Hawaii law.
Credit/Open
6 years
Written
6 years
Oral
6 years
These strategies combine federal FDCPA protections with Hawaii-specific laws like the HI Uniform Deceptive Trade Practices Act.
In Hawaii, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for auto loan debt in Hawaii, garnishment is limited to: 5% of first $100 + 10% of next $100 + 20% of remainder.
HI Uniform Deceptive Trade Practices Act
File complaints: Office of Consumer Protection
These Hawaii-specific protections apply to your auto loan debt case:
All Hawaii Debt Laws
SOL, garnishment, protections for all debt types
Auto Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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