Your Hawaii rights against IC System: 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 IC System Violations
Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences
Hawaii Dispute Tips vs IC System
IC System handles medical and utility debts — request itemized bills
Medical debts under $500 are excluded from credit reports as of 2023
Demand they verify the debt with the original creditor, not their own records