Your Hawaii rights against GC Services: 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 GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
Hawaii Dispute Tips vs GC Services
GC Services collects government and student debts — verify with the original agency
Federal student loans have specific protections — don't let collectors mislead you
Government debts may have different rules — research before engaging