IC System 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 IC System Violations
Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences
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.