Harris & Harris is collecting auto loan debt in Hawaii where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 5% of first $100 + 10% of next $100 + 20% of remainder.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
5% of first $100 + 1
Garnishment Limit
Known Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
Dispute Strategies
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given
Check for state-specific redemption rights
Validate any collection attempts under FDCPA
Hawaii Protections
HI Uniform Deceptive Trade Practices Act. File complaints with: Office of Consumer Protection.